*****ulent Nigerian Transaction Ignored by Capitec and Unauthorized Payment – Capitec Says I Approved It?!

I am extremely disappointed with Capitec’s handling of a *****ulent transaction on my account. A payment was made to TOFADOTCOM Limited — a company I’ve never heard of, based in Nigeria. I live in South Africa and have never purchased anything from or interacted with this merchant. I reported the transaction as unauthorized immediately. Despite this, Capitec concluded that I "authorized" the transaction — with no evidence, no refund, and no clear explanation of how they reached that decision. I’ve now lost my money to a ****, and the bank has failed to protect me or act in my best interest. What exactly would I be buying in Nigeria? I’ve never even visited the country. I expected better from a bank that claims to value customer safety and security.