No safety on capitec account

I have had two payments being taken from my bank account today, my online banking usually ask me do i authorise payments for online or any card purchases. It never asked me for that option where it usually ask me to do it. I was ****med and my bank has not had safety measures in place. It was the last cash i had and now i have to wait 5 working days for a outcome from customer service tbey said they locked it but no refunds or anything. I am distgusted by the service i received my bank supposed to ask me if i do authorize payments and they have not