Help me get my money back

Clientele debited R320 from my Capitec account, money I didn't not give consent or allow to be taken. When I went to Capitec to report it and request them to reverse the debit they told me I could not get my money back. Which I failed to understand why. I believe Capitec should safe guard my money at all times and that they should believe me as their client. None of that was done. When I went back to their Kuilsriver branch they put me on the phone with a Clientele cunsultant. Who also told me blantly I won't get my money back and my account with them is inactive. Now the question is why would I be paying for an inactive account. I am student why would I need to insure my life or anyones?