Pathetic service and most inconveniencing bank ever

I am always charged twice when using my card (be it online or not) first transaction is unprocessed then they charge my account again few days later and that transaction becomes processed but they never release the unprocessed funds when it’s clear merchant never received they can also see it but you lucky if that money comes back , I’m tired of fighting such a simple thing that is so obvious , merchant doesn’t have to write emails for Capitec to release money back to customers acc, unprocessed means funds are not allocated to merchant or back to customer they still with the bank , I’m sick and tired , it’s cheaper to switch banks honestly I would rather incur higher bank fees than live in fear of this everytime I use my card