WORST BANK EVER

Bought an item online in november. Recieved it and it was not what I was looking for. Returned and requested a refund from the merchant who said they will refund. This did not happen. I contacted Capitec to reverse the transaction and was told to wait 15 days. Which I did. I then called again only to find out they closed the case after apparently trying to contact me. They did not. I called again. Got told wait again i did. Second time around nkw I jave to wait 45 days. I did. I called again today. 29 December 2025. Only to be told, case was closed again. This is absolutely pathetic and ridiculous. They do not follow up and do not help at all. Only give ****ty excuses to not have to work.