Capitec cards are so easily cloned and yet it suppose to be a bank with all securities in place

I am so done with capitec. I put my pin in the app once and the app was suspended. While on the phone 5000r was taken out my account. I had my card and phone right in front of me and got this 5000r withdrawal. This is clearly not my fault and I have an emergency to pay for. How is their card the easiest to clone. I desperately need that money for a family emergency. I'm not prepared to wait 8 to 10 days just for feedback. My hard earned money gone. I want every cent back