***** of R5000 goes unchallenged

Someone, possibly an insider, replicated my debit card and paid five amounts of in the order of R900 each time to Vodacom for a cellphone. These transactions were done at Vodacom branches Klerksdorp (R900 on 21 April), Pretoria (twice R999.80 and R980 on 12 April), and Boksburg (twice, R900 each on 5 April). I phoned the Capitec ***** number, but the operator said it would not help by her escalating the complaint, because is were all card and PIN transactions, implicating that I made the transactions or somebody had my card and PIN.

The pecu****ity of these transactions are that they were all for amounts less than R1000. I believe that indicates that they might have been "tap" transactions, which do not need a PIN.

I immediately stopped my card and the ability to tap, and took my money out of the account.

But no further reaction from the bank. They apparently feel that they do not have any responsibility for my loss of nearly R5000.