Had enough of Capitec bank and its horrible service

I don't even know where to begin. Capitec is the worst bank ever to bank with. Besides their ridiculous bank charges, the customer service is putrid. I work hard for my money and to be embarrassed by wanting to pay something and your card declines when you know you have money. I went to the mall yesterday and bear in mind it was not close to where i stay and there are no public transport to where I live I wanted to purchase some groceries my card was declined immediately called Capitec customer service because the same thing happened last month and after calling over 5 times still didn't get the matter resolved the phone gets dropped in my ear or they pretend not to hear me. I tried to withdraw the money at the ATM and my card was retained now I am stuck with no money no way I can access my money and no way home it dark and eventually I a friend came to pick me up. This is the 2nd month it is happening and I have to buy airtime more than once to call them and get asked the same questions and not have the matter resolved.I am closing my account and i don't want anything to do with your bank