Shocked with bad service

On Monday morning I saw an sms from Capitec Bank that a transaction for an amount of R2349.95 with ref. WW ONLINE Cape Town ZA appeared on my cell phone. I immediately, at 10h15 am, went to the nearest Capitec Bank in Alberton and reported that my card details and money was hijacked. At that stage the transaction was still pending and I was told by Megan that they will put a stop to it and the money will be back in my account within 2 to 3 days. Over and above other efforts, I followed the matter up today with Client Services and was told by a team leader namely Hlumi, the shocking news, that the money was in fact paid over to Woolworths yesterday despite the fact that Capitec Bank was aware that the money was hijacked. She then informed me that it will take 12 to 15 working days for them to investigate and refund my money ??? She then said that if I want my money sooner that I must contact Woolworths and ask them for a refund !!! Over and above the fact that I was unaware of everything they insist that I must also pay R 50.00 for a new card !!!