Unhappy Client - No more chances.

If I could give a zero rating I would. I've had endless problems with Capitec lately. Last month my purchases were declined but funds were taken twice and placed in reserve, meaning that I paid twice for the same purchases, my money gone. I called and was sent from pillar to post all at my expense. I spoke to 1 helpful guy only, James or Jamie, what others explained and made no sense of, he explained in 10 seconds, gave me instructions which I did, only for the next agent to tell me that I've done it incorrectly. How does a bank reserve your funds for declined purchases, it makes no sense. The other day again purchases were declined. All these purchases mentioned were at petrol garages, different garages mind you.. Yesterday and todays outage, we are now at approximately 27 hours of downtime not being able to access funds on ANY platform. I went into a branch yesterday, you cannot do anything there as well. I am done with Capitec, apologizing for inconveniences and sending 1 courtesy notification after already 4 hours of downtime is just not good enough. Customer Service is pathetic, teach your agents on how to build rapport and how to address and speak to clients 1st and then ensure they actually know what they are talking about instead of thumb sucking. I don't want anyone to contact me, I am taking my funds elsewhere, no more chances.