card not up to standard

I have been with the bank since 2010. I have replaced my card twice in that period, once because you changed to chip cards and recently because I misplaced it, in January 2015. My card has stopped working, whether I'm withdrawing money or swiping at a shop. The chip card is not working, i am not happy with the cards you issue. Its not even 6months and its not working. I have been having endless problems. Sometimes it works and sometimes it doesn't. The day I updated my details for FICA I reported the issue and now I'm told its not on records. Whose fault is that? Whose fault is it that your system doesn't allow for every interaction with a client to be recorded. Why is it my last card worked for ages and this one isn't? Who must pay all those R50? I need this sorted ASAP. I want assurance that it won't be debited from my account.<br> <br> Unhappy client