No accountability for service delivery (CAPITEC)

First they started by greying out the dispute option on the app. I was unable to reverse this constant unknown debit order. Sameday as the debit order, I sent an email to customer care, in which got noticed when I lodged a complain by including the first email. I reported this on time. Tried to reverse it on time. Sent another email for attention and the told that it has been stopped and unfortunately I won't get money back after they delayed by telling that, they're waiting for the paper that authorises the debit, Capitec didn't receive that. Now recently I have just had a card purchases I know nothing about. Called them to be told that I won't still receive my money back since they are online purchases, how can Capitec bank be so vulnerable that the don't even offer and confirm online purchases with OTP? Why do they have my number for if not to validate transactions. I would say for all services offered and being levied by Capitec, I still suffered and lost more by trusting them with my money. My money is safer under my pillow. Waiting for Jan to swap banks and move my salary before they loose it.