Capitec **********ly debits me for their own System failure.

Capitec claims that in January 2020 I did a transaction with my Capitec Bank card at the Absa bank ATM and they Absa ATM gave me money but Capitec System failed to deduct from my account. Then unfortunately in February the 8th I then was involved in a car accident that almost saw my life, I was then hospitalized for over 3 months and all my cards and wallets were with my family but they didn't have my pin numbers so that meant they couldn't do any transactions on my account. Srom hospital I then went in quarantine in Pretoria until July the 15th to when I went back to Free State at my parents house. I only started to see that my account was funny when I kept expecting money but then the money that was sent to me by family and friends was not reflecting on my app and on my account. Mind you I have been out of work since my accident so I have not worked in turn I don't receive any sort of stipend because I am self employed that meant I got support from family and Government covid pension fund. I saw this irregularity and because I needed this money I then had to go into a branch to obviously make sense of my suspicions that something is wrong on my account and the money keeps disappearing. I went into a Branch in Goldfieldsmall Welkom and got assistance from one of the consultants and when I told her about the whole situation she then started going backward on my account to see the transaction but she couldn't make anything of it when she called their head office she only Got told that there was a transaction that their system didn't pick up so it only picked up the transaction made in January only in April and for me that was not making sense to how could that be that I saw a statement that balances but then they say that I must pay for money I don't even remember the transaction of and when I demanded that they return my money they then say that I must commit myself that I will pay back the money every month until I pay that money back. I feel that Capitec is making me pay for their incompetence and their system malfunction that they only picked up after I was hospitalized and 3 months later after the apparent transaction, for obvious reasons I feel that it's an unfair treatment from a bank that you trust with your money. That also in turn makes me think that they have always been taking money out of people's accounts without people suspecting, if I was working and there was money in my account I was going to pay that money and become an unsuspecting client. I am upset and believe that Capitec should take responsibility for their own incompetence.