Dissapointed and moedeloos

I can't even give 1 star. I am so disappointed in Capitec. First I had to take time off to get 2 new cards of which my one card still is not working after paying fees to have this rectified telephonically now they only direct me to the bank. Worse than that - they process my debit order for my loan earlier than agreed upon and then charge me to reverse the debit order and process it on the last day. They still have not processed their debit order and have now notified me of an arrears account. When I have the money available for the debit order to go off. After phoning the call centre multiple times they either want to transfer me or put the phone down in my ear. I am so SICK of Capitec and will be moving first chance I get.