Capitec bank is a ****

Capitec bank is a ****en ***** of a bank Last year I made an online purchase to MTN momo.money went out of my account but never received in the MTN momo they gave me stories...now yesterday I made purchase which decline but the money went out of my account again and was told to wait 4 hours for the funds to be back in my account but still no funds now they come up with other stories. Capitec is a **** of a bank out money is no safe with the