Unsatisfactory debit card ***** feedback report

My minor daughter reported a *****ulent transaction on her debit card on the 28 November last year (Incident number ***) The merchant was a **** booking.com website and money was withdrawn from her debit card account without authorization or approval. After 45 days, Capitec responded " The merchant has been able to provide us with compelling evidence for this charge and we do have to hold you liable for the debit that had taken place" In addition, you will be charged an R80 unsuccessful dispute fee.

My daughter is obviously disappointed by the outcome. As parent it would be valuable for Capitec for provide a more detailed investigative report. We fail to understand how a *****ulent booking.com website (i.e. the merchant) was able to provide compelling evidence to support the charge.