Capitec *****ulent charges

It's such a shame to have to give a 1 star review. Because I actually love Capitec. I've only ever banked with them and they are super convenient and affordable to bank with. Until my account fell victim to *****ulent activity. I have apparently been getting charges to my account for what looks to be like Facebook Ads. It's not a recurring payment so these payments are actively being made on my account each time. 15 payments have been made, most under R100 which is why I didn't notice until two payments came off my account last week both of R200. I went to Capitec to figure out how to reverse these payments and I was told that unfortunately there's no way to reverse payments. The only option was to request an investigation, costing R80 per payment on my card. So what would be the point of investigating? Id lose more money paying for the investigation than what I've already lost for the unsolicited charges.

I asked how is it possible for someone to makes charges on my account when there are all these protection steps put in place when doing online purchases. For instance I need to confirm when an online purchase has been made by going into the app and applying my personal banking app pin. Whoever made charges to my account managed to somehow bypass this step. I was told there's nothing Capitec can do about this and I just basically need to accept that this might happen from time to time and I need to just stay vigilant.

So basically when I make a purchase on my card I need to go through all these safety measures of putting in a pin and even sometimes taking a selfie, but when a ******** uses my card they can just conveniently skip all these steps. And then I must just be ok with it and feel like my money is protected.

I'm actually nervous at the idea of continuing to bank with Capitec as this experience has left me feeling completely vulnerable.

Capitec, I'd love an answer as to how you plan to sort out this issue. You cannot possibly expect people to be ok with this and I'm sure I'm not the only one who's been left in the dark in a situation like this.