Unhappy Capitec Bank Customer

on the 30th of Jan 2021 a fradulent debit order went through my capitec account. I called the call center to only be given the standard anwser that i need to visit the branch. i went there the following day. kayla the consultant at Clearwater mall was very professional. Unfortunately she could not tell me who Vargo 10 is. The irony is that the company is not listed in their 3rd party database. All Kayla could do was to reverse the R125 amount and give me an avidavit copy to complete and get is signed by the commissioner of oaths. I still do not understand how a debit order that the 3rd party is not listed can go through without even authorising it on debicheck which i may add is a useless functionality on their banking app. Not even once have i received notification alerting me to someone submiting a debit order my my authorisation. Sadly disputing the debit order means the bank will deduct R45 from my account even though its them who failed to secure my fund. we have nowhere to go because the banking sector as a whole has been facing this problem for years. I still do not understand why i must be penalised for their incompetence.