CAPITEC BANK FROZEN CREDIT CARD WITH UNEXPLAINED ERRORS

experiencing very bad service from Capitec bank head office and call centre.. ive been having a credit card for some time now and everything has been paid every single month on the same day as per debit order.. only to wake up one morning and my credit card account/card is not working, ended up being retracted by an ATM whilst trying to withdraw the available balance..

different departments at the head office cant explain why their system is saying im owing them about R20 000, for insurance on my credit card, my account has been frozen and i have no money at all to handle my day to day affairs cause all i had left for the month is in my credit card..