Unauthorized transaction

Dear Capitec, for the first time I am very disappointed and saddened with your service and how you handled a ********** and unauthorised transaction on my account. Don't get me wrong I have always been a big supporter and really valued the low transaction fees, simplicity is after all the ultimate sophistication. Sadly where banks should have insurance in place to cover ********** transactions on a consumer's account, Capitec instead charges me R160 to try and investigate the transaction with no guarantee that I will even be refunded, this is not fair in any way or form especially now, I am really disappointed.