No service refund tired of ********

I have lost funds more than twice and capitec responded by saying funds are used but this is not fair to me.So far I am not impressed with the chargeback service of the bank. I didn't receive service for the funds no service refund why ******** are left to get away with this kind of habit? I dislike the idea of police because you will be in police station for hours to open a case which cannot be investigated. I don't remember even a single day getting an update for a case. ******* has the account so my expectations is to get a refund because no service rendered.