Poor bank.

This is the most useless bank i have come across, my card was cloned on the 8 of November 2020 and R634. 42 was taken from my account for a purchase in Seattle 7 min past 8 the evening. I kept getting msgs from capitec saying they tried to call, my phone didn't even ring, now i get a msg and mail the dispute is closed, which then means i loose money that was taken from my account without my approval????