Unauthorised debit order

Cell C managed to get an unauthorised debit order for R1400 hit my account and Capitec asked me R40 for reversing it... I do really like capitec but find the fact that I have to pay when I am not in the wrong bad service. First prove me wrong then make me pay. I trust you with my money but a company is able to gain access to it and when I try to correct it you make me pay. I could go to cell C but I have no relationship with them. My relationship is with Capitec. So the solution... Close my account and if I want open another... Surely Capitec you can see this is going to cost you more than R40 and inconvenience me even more! I have already moved most of my savings out of my account to cause I am now concerned about the safety of my money.