Extremely disappointed in capitec!!!!

I am so disappointed with this bank. I check my statement and discover that there has been an online transaction made using my card. I give them a call to find out what's going on and the best thing they can tell me is to cancel my card and get a replacement AT MY EXPENSE for something that wasn't my fault. On top of that they want to charge me for investigating how this transaction was even allowed! What are otp's for if any random person can transact without my getting any notification about it????? Or is this all just a scheme for the bank to get more money from people???? Is it not enough that I bank with you? Are the fees you charge on a monthly not enough?????? I might as well keep my money under the mattress if this is what I'll have to deal with all the time!!!!!!!! I can't afford to be getting replacement cards because capitec can't keep up their end of the deal!!!!!!