****med at capitec

Good day. I have unauthorized transaction from Capitec bank. I received sms notification for the amount of R1011. 89 which was taken from my capitec account without my authorization. The sms, has a funny reference number. I immediately called capitec to inform them about that unauthorized transaction. They told me that they will only block my card for now and I have to wait for 30 days for their investigation. They also said the refund is not guaranteed. On top of the amount that was taken in my account they charged me R70, for the card replacement and they are going to charge R80 again for the investigation for the fault which was not mine. Usually when I do online transaction capitec sent me a pop up msg to approve or decline the transaction but with the **** they didn't they just let the payment go through my account without my authorization and I have to pay for the investigation and a card replacement. I am not happy about Capitec.