Day light ******* for a bank that say Simplifies.

I had been having a problem with internet tag since January the tag was giving authentication numbers but when I try to punch them online I would get an error saying the numbers were invalid and I would end up blocking my internet log in. I kept on calling the call centre and I was eventually told that they had been reseting my tag I would need to go the branch since my tag was faulty and It would be replace. so I eventually made time to go to the bank to have my tag replaced, by the way the call centre agents told me that since the tag itself was faulty I would get a replacement tag free of charge since I did not break it. to my surprised at the branch I was told that capitec is not responsible for faulty tag, I was told them that the tags are only replaced at the discretion of the branch manager if the tag stops working within a year. I was pointed to a contract stating that capitec is not responsible for the tag if it becomes faulty. I am disappointed at the lack of accountability that if capitecs products is faulty no one is responsible, where have you ever had such, I am appalled with the inability of the staff to assist, even the branch manager who was there.