Capitec stole my money

On the 31st of March, I made an immediate payment from my Capitec account to my FNB account where all my debt orders take. I knew that they would take that evening as well as the next day. To my surprise, three hours later, the money was still not in my account. I called Capitec, and they told me there is a chance it will be in before 8pm I was okay with this as traditionally my debt orders go off at night. Today I woke up and still nothing. I now have to pay hefty bank charges because of bounced debt orders on top of that, some charge extra for late payments. In this economy, nobody has an extra 2k to cover charges that are not caused by them. Capitec is not saying anything about refunding me, just saying sorry. Today is the first, and I still don’t have my money in my account. The lady I spoke to told me she will follow up with me, and none of that happened. I still have to call them. This is the most ridiculous thing I have ever seen from a bank. Today when I called they telling me it can take up to five working days. And the consultant suggested I make a deposit and pay my debt so long, with what money?