********** & Horrible

Absolutely disgusting & **********. I made an online shopping purchase to the retailer Shein through their app on June-15-2022 via my Capitec card. The payment went off twice from my account. I immediately phoned the customer service center and the consultant advised me that I must find out with the merchant which payment must be reversed as both were still unprocessed and they had two different references (one pointing to Shein Cape Town & one pointing to Shein Bloemfontein). I got into contact with the merchant as fast as possible. They told me that they had in no way received a double payment on their side and I must dispute it with my bank. I went into branch & the consultant assisted me, where they could indeed reverse one of those payments because one was processed & one was unprocessed, and I sent them proof from the merchant stating they had not received a double payment. They reversed the unprocessed payment and the money reflected in my account immediately. However, on 23-June-2022 at 04:21 AM a CARD PURCHASE was deducted to Shein (exactly the same amount as before) without my authorization/pin/any input from me, sending my DEBIT/SAVINGS CARD INTO A MINUS. There are so many things wrong with this - firstly, this "store" doesn't even exist, I didn't authorize a card payment anywhere and how can my debit account without an overdraft even go into a minus? Which stores are open at this time of night, even if this store did exist? IT DOES NOT MAKE ANY SENSE & IS *******. I logged a dispute case again, but then it just disappeared under my incidents because I could not answer my phone for a few days. Eventually I got a dispute logged on 06-July-2022, reference ***5, which takes a maximum of 30 days. Today is 05-August-2022 and I phoned the customer care center just to be told "How are you counting? Tomorrow is 30 days." so this also has me questioning the competency of the workers there as July has 31 days. I will have no choice but to contact the SAPS to open a ***** case against Capitec for deducting money for a card purchase that I did not authorize at 04:21 AM to a store that doesn't exist. Any person can just then take my card without the pin and go about shopping, bringing my debit card into a minus as far as they want. Highly unacceptable.