don't want to pay us back

on Saterday the 10/01/2015 my husband asked me to pay his car, i went to selcourt springs east rand to draw money at the atm. I used standard banks atm there where n black man in front of me as i went to draw money and card did not want to go in he said wil work and he botherd me i told him to step away but he was all over me. He bumped my card into the masjien and pres0000 i did't put in my pin code. I shouth at him to go away. i try to cancel the transaction but my card did't want to come out. I try to phone standard bank to see if they can assest me then i thought something is wrong phoned my husband he told me there is transaction on account R2000,R2000,R1000 and swipping in kempton park mac donald street, He said i must run to capitec bank and there queing system we have to wait to see consaltant. I told them card was cloned. They phoned husband and as they check transation went throug. At bank they said 14 days then we will get feed back. Feed back came they said only paying back R9500, R1000. Closed case we where not happy said why R1000 was paid back and not R4000 drawn same time. Said we can take case furture with omnutsman at bank. Why must we lose R4000 we not at fold.