extremly poor sevice

today capitec bank went off line or system crashed with no notification or sms advising their clients of the technical errors I went to the shop stood by the till like a pool and was told card declined went to the bank and couldn't withdraw money I had to leave this is such an inconvenience who is liable for the additional bank charges ...you said we must ask why so why capitec your service is dropping and we as the clients is suffering . Utterly disappointed in your service