Unknown online purchase reversal:

When I woke up this morning,I saw an SMS notification of R1199.00 that was taken from my Account few hours ago.I quickly called Capitec customer line,the lady that was helping me wasn't very nice :( ...maybe she's not a morning person.Anyway,she took my details....after a few minutes of holding,she told me that she has submitted my story for an investigation that will take about 7days...say what???In the meantime they have blocked my card,I have to go to the branch and pay R60 for new card.

This was apparently a purchase not a debit order,which is even more disturbing.As the SMS notification came around 4am,when I was still asleep.The reference is Microsoft 365 H....I am 100% sure that I did not make any online purchase at all.

Please if you know a quicker way of fixing this and you know what might have happened,plz halla?!?

Thanks