Unauthorized online transaction went off my account when their services are Offline

I am so ****ed with your service coz this is happening for the second time, everytime there is an unauthorized online purchase the only thing they can do is block my card and i have to pay R80 to make a new card. This time their online services and app where offline, an unauthorized online transaction went off my account and I have to take accountability of that. They block my card and i have to pay R80 to make a new one. I'm just done with this nonsense of a bank. They even had the guard to drop my line when they said they transferring me to the complains department coz I refuse to be paying for what they shoul