New client and I only have *********** service

Suck Horrible service from Capitec. On saturday morning I went to your Cape Gate branch to do an currency conversion. Firstly I had to increase my limit which I did. Than went to the ATM because *********** Capitect Bank could not give me the amount cash in the bank because they don't keep cash! Where it is safe! I could also not apply for a credit card since you don't do that! But you charge quick enough I also learned that you don't to Currency exchanges! This is really poor service of you! My card did not want to work for the first time! We had to rest the pin which worked ect the first time you wasted my time! Also now I was unfairly charged R15 for 3 cash withdrawals since you could not give me the correct amount! Eventually I had to deposit it back in my account since I did not have my passport and plane ticked on me!! If your bank was competent I would not have to bear the cost and stress of the mess Capitec bank only makes! I want my money back!!!!!