Worst possible service

I bought my wife a small gift on 18 Jan 2023 it was R38 that I had to approve on my banking app. Yesterday I had a deduction of R319.20 same company but I approved nothing and neither did i approve that transaction. Now Capitec will not refund my money. This was a ********** transaction you can see I did not approve anything why is it such a hassle to get my money back. Refund me my money that is due to me.