UN AUTHORISED TRANSACTIONS

I HAVE RECEIVED A MAIL FROM CAPITEC BANK STATED THAT MY BANK DETAILS IS NOT COMPLETE AND I CAN NOT DO ANY INTERNET TRANSACTION. I TRIED TO DO ANY TRANSACTIONS BUT COULD NOT. I WENT TO THE BANK AND THEY TOLD ME A SMS WAS SEND TO ME TO NOTIFY ME THAT MY LIMIT HAS BEEN CHANGED TO ABOVE R500000 TRANSACTIONS FOR NOTIFICATIONS I WAS UNA WARE OF IT AND SAW THE SMS IN THE BANK FOR THE FIRST TIME HE ALSO INFORMED ME THAT MY SECURITY TOKEN IS MARK ON THE SYSTEM AS LOST BUT I HAVE IT ? HOW CAN THEY ALLOW TRANSACTIONS WITH OUT VERIFY THE CHANGES TO MY ACCOUNT? I HAVE LOST MORE THAN R300000 AND NOW THEY SAY IT IS MY PROBLEM ? HOW CAN THAT BE THEY ALOUWD TRANSACTION AND CHANGES WITH OUT MY PERMISSION OR TO VERIFY CHANGES. THEY ALSO GIVE NO FEED BACK I HAVE TO CALL THEM TO FIND OUT WHAT IS GOING ON . THE CASE IS REPORTED TO THE SAP AND I AM WAITING FOR THE REPORT FROM CAPITEC FOR DAYS NOW BEFORE I CAN HAND IT TO THE ONBITS MAN. THE ARE VERY BAD GOOD INTEREST RATES AND MAY BE THE REASON FOR BAD SECURITY SYSTEMS. THEY DO NOTHING TO PROTECT THE CLIENTS VERY VERY BAD