Victimization of under banked and under serviced

I am astounded at how Capitec victimizes the under banked and under serviced in this country.

My helper went to an ATM outside the Spar in Germiston at approximately 7:55am on Thursday morning to with draw cash to pay her rent. It has become evident that there was a card jammer/skimmer in the ATM. She inserted the card and started the transaction - no money was disbursed and her card never existed the machine. Seconds later, she got an sms to notify her that R2000 had been withdrawn?,! A couple of seconds after that she got a message of an unsuccessful attempt to withdraw R4000 and an unsuccessful attempt to withdraw R3000. In all of this time - no money had been disbursed and her card remained in the ATM.

She arrived at my house distraught and frantic at about 8:30am ..having no airtime and not knowing what to do - she had decided to try seek help from me.

We immediately phoned the bank and stopped the card. I told to go back home and report the matter to the police and go with the affidavit to her nearest Capitec branch.

She got a call today from Capitec to say that they are not going to refund the money as she took to long to report the incident!??

I am beyond astonished! 1. She didn't know what to do; 2. She had no airtime; 3. As soon as she arrived at my home, we phoned and reported the matter; 4. It actually would not have changed anything if she had reported the incident 5 seconds or 5 hours later.

The money was already out of her account before she even received the sms notification. The only thing that prevented the situation from being any worse - was that she had a daily withdrawal limit on her account.

For the bank to now rob her of the little that she has is disgusting