NO ***** PROTECTION from CAPITEC

My 5 year old daughter accidently subscribed to an app that was on my phone. The app deducted the monies and I quickly rushed to Capitec they disputed it and days later I was reimbursed. by this time App was deleted and I unsubscribed. Now in Feb the merchant of the app made contact with Capitec requesting that monies back. Capitec advised me via SMS they will deduct the monies for the merchant, should no response is given in 24hours. I was so confused and thought this was already resolved. They also attached on the email a document of which I could not open. My response was what was this for but they just went ahead and deducted. As the client of Capitec how in the world can my bank take what a 3rd party says and give them my money without MY consent. So any ****mer can provide you a paper and CAPITEC just deduct as they please. is my information not supposed to be protected??? WHY is CAPITEC so free about handing out their client's monies??!!! I want my money back they do not want to assist. how can people take money from me from an app I didn't even use. The consultant referred me to complaints there is nothing she can or wants to do.