told to pay for card, when i did not do damage it

In November, I went to capitec bank in diepkloof square, where I explained that my card seems not to be working. I was then told that there is something wrong with the card and I need to acquire a new one. I then explained that by right the card is not damaged and was shown that is the chip that is. I explained to the consultant that I see no reason I should pay for a faulty chip as the rest of the card in not damaged nor shows any abuse from me. the consultant than told me that I was reckless as he has had his for a few years. there after a heated argument started. I then asked the manager that I see no reason for me to pay for a card I just got a few months ago. the manager then said I must call the customer number and explain. they gave me a phone and I did, the consultant on the phone than asked to speak to the manager. I explained that I want to lay a formal complaint about the consultant dealing with me and that I see no reason I should pay again. the manager than spoke with the consultant on the phone and told me that I should still pay. no case number or referee to my call was given. then my debit order was put 2weeks before making me go into -. I was treated very badly