I need help get my money back

Dear South Africa,

I wish to bring attention to a troubling situation I experienced with Capitec Bank. I recently discovered unauthorized transactions totaling over R15,000 in my account, despite never losing my card or sharing my information. After reporting this to a Capitec branch, I was informed that while they could dispute the transactions, they could not guarantee a resolution, and I might be liable for investigation costs if they weren’t successful.

The bank claims they lack sufficient evidence to dispute these transactions, even though a single day saw purchases made in Cape Town, Johannesburg, and Durban—raising questions about their validity. I was advised to file a police report, but it seems Capitec has limited capacity to assist further.

I would greatly appreciate any guidance or support on how to address this situation.

Thank you