Payments

I was trying to buy something online then it said card decline, I then open my app to see that payment is pending I immediately contact the call center they said they cant help, I must wait till money has been withdraw then go into the bank I told the lady on the call center that its was a ***** the company does not exist as we tried to sent them a mail so the name of the company and the name showed on my bank account is 2 different names she told me to wait the payment was still on pending she said she cant stop it,. last year December I've used a company Just Answer they told me once of payment to be paid for them to help then when I went into my bank account I see there is monthly deductions you cant contact or mail them you can only talk to them online I've never subscribe for monthly payments then thy sent me an email to tell me it has been stopped 2 minutes later 12 deductions on pending from the same company so i went into Capitec branch today at Okovango Crossing and the gentle man told me there is noting that they can do. My question is why cant Capitec protect their client from unauthorized transactions you are suppose to protect your clients not help the ****mers. I think its time I closed my account and use another bank