Capitec Bank is a ****

After 2 years of paying a funeral policy for my family R621 each and every month Capitec Bank consultant **** and told me my policy had lapsed opened a new one on the spot without my understanding increased a payout plus debit order and advise that I need to reverse the last debit order after reversal the status on the funeral policy on the app changed from active to lapsed. Now funeral policy has been reinstated with another 6 months waiting period after paying so long they telling us they won't waver the waiting period and I have forfeited R9000 plus. Capitec Bank is nothing but a **** they are the most evil people I've ever seen in my life. Sanlam Centre manager had a attitude and blamed me not once did he show kindness or understanding of the situation. What will happen should anything happen to my sick parents as they been in and out of hospital because I won't afford anything I've never been this stressed in my life on top of Covid they are making matters worse. Capitec Bank has ******ed my wife and I a sense of security ever since what happened we living in fear people have been complaining about them but I had faith but they nothing but a **** that **** the poor from they hard earned money.