That I be refunded before 24 hours or will also escalated the matter to the Office of the Public Protector and Human Rights Commission

Capitec bank rep**** me with a letter on the 8 May 2020 write by Nothemba Nobanda stating their investigation that she said was done.My point for this letter writing and given answer to me without fear and redirecting me to Ombudsman of banks does it mean to her she take full responsibility of this incident. 1.On that day the ********** transaction was done I reported it within 24 hours and was told the money is withheld and didn't be cleared to other cause it was not the same bank. 2, What action was taking by bank and why was the money not reversed at the same time. 3. Why was I told that the money that the money will be refundended with 7 to 14 days and that didn't happened. 4. Why was a told to send an affidavit and even not advised ar the first day when I reported the incident. 5. Why was me that should always contact the bank to get progress of the matter. 6, Why did the bank started phoning me after I approached Hellopeter. 7..Why was I told that I must obtained court order after so long and why was I told Absa bank seek court order and Capitec refused to send me such letter of Absa bank as proof. 8.The affidavit was send twice firstly to Adri Swartz and secondly to Max Clark and nothing was done by both or even have the decency of phoning me as a client. 9. For a court order to be obtained I my first appoint a lawyer and who will carry the cost of such. 10. Before Nothemba write me the letter did she performed internal investigation between her personnel and me as a client. 11. If Nothemba in her letter wrote she personal apologies what have let her to that state. 12. What is Capitec zero liability guarantee 13. What is Capitec bank Privacy rights. 14. Why Capitec bank treated me as if I have reported the incident after 3 months. 15.In Nothemba letter you said the money was already withdrawn so what is the transfer policy of Capitec bank to other bank for money to be cleared. 16. That also the matter be escalated to the Manager of the bank and Board of Directors