Money going missing

So an currently at a Capitec branch and I have never been so frustrated, So money went off my account 150 and 200 800 but I had already moved funds to the saving account, what's frustrating is the fact that the transactions were done through a Mtn app I explained to them I don't use Mtn and i have my card on me

They now telling me I have to pay R80 per transaction to dispute the transaction and that their is no guarantee that I Will get my money back.

How on earth do I replace my card after it expired do I start lossing money and they blame me, My card is with we help desk transfered to efc now they want to transfer to different department. And again the client must pay to have a ***** case investigation am so glad I didn't switch my salary because it would have gone missing