Capitec *****ery

Can this one bank shut down already, last night my network suddenly went off which was quite strange because I use Vodacom and it has good coverage. I tried connecting with all other networks and it just wouldn't connect. I switched my phone off around 20:30 and went to sleep, when I open my phone at around 02:37 in the morning it gave me a message that Uber has deducted R112 from my account, firstly I do not have money enough to carry me through the month and then this happens which means I had to but airtime or take a taxi and go to Capitec I opted to buy airtime and call them, the consultant I spoke to said it is my fault and that I am not responsible for my card so I ask how possible is it that it's only Capitec clientelle who are not responsible because at my workplace alone this month about 5people have went through different issues with Capitec so I asked how come people who uses other banks do not encounter these problems or it is just Capitec people who encounter these people, then she suggested that she stops my card and I go to the branch and get a new card for R70 while I am disputing R112 and after buying airtime why would I make this dispute from the start is it will cost me more to get it sorted, I am done with Capitec, last year at work they lost about 10 people and now I am the 11th, please return my money and Goodbye.