Unhappy customer. MY MONEY ISNT SAFE!!!!!!

It is really shocking how easy Capitec makes it for unauthorized payments to go through. Scary even, because if there's one thing I've learnt is that my money is not safe with Capitec. I have had duplicate payments made by Nando's, Zara and unauthorized payments going through with prompting approval from Mango airlnes. I think to make it worse, the Zara payment went through after over a week of purchase and couple of days of delivery. How is it possible that a purchase can be processed without me approving it? Weeks later??? With my online shopping limit sitting at zero?

My most recent incident was today when a purchase I made with Resumedone.io on the 16th of December for R29, and to my surprise today I get a notification of an additional purchase of R441.65 that I didn't make nor approve. I called the bank 3 times and was told by each consultant that the reversal couldn't be made even when it hasn't been banked yet. So the payment hasn't been processed yet and Capitec is telling me that "no, it can't be reversed, you need to for wait the amount to banked and once that is done they'll investigate" no gaurantees that you'll get your money back. I am declaring that that purchase was ********, it hasn't been processed, what is making it hard for Capitec to reverse that payment. How is Capitec making it easy for companies to come at anytime when they please and make unauthorized purchases? So at any time that I make on online purchase, the company can come back at anytime they please and transact, even without my approval/authorization. Find it really disgusting that even during a pandemic you're not able to prioritize our hard earned money. The authentication process on your website wasn't followed but I still can't get assisted. Your processes are as follows: On our app

After checkout, you'll receive an in-app notification Choose either Approve, Cancel or Suspect ***** Enter your Remote PIN to authorise the transaction

If you don't have our app installed or if you don't have a data connection, the authentication message will be sent by USSD. USSD

You'll receive a USSD push notification verifying your transaction Reply 1. Approve, 2. Cancel or 99. Suspect ***** None of these were app**** with this purchase but you can't release the payment??????

I would really like to advice everyone who sees this to think twice before they make an online purchase with a Capitec card. Your money is not safe at all and Capitec will do absolutely nothing to assist you.