Worst service regarding ***** precaution

This bank is the ABSOLUTE WORST for a sole proprietor. I am self employed as a start up business owner in tech, so I have clients paying me into my personal account on a regular basis. On the 20th of January, Capitec decides to send me an email and sms telling me they are blocking my account due to suspicious activity, I enquire as to why this is the case, they tell me 2 people have complained about R200 each they had sent into my account. I tell them okay that is fine, they can reverse the amounts of the complainants back into their accounts. They do so, but for whatever reason the hold still persists. I enquire again they tell me I should wait 7 days for a review to be done on the account. So I wait for the seven days, I CONTACT THEM asking what's taking so long, its been 8 days and I'm not getting any calls or feedback. They say they will check again then say they will lift the hold on the account and I should consider opening an Entrepreneur account for my business. I thank them, they lift the hold around 11 am on the 28th of January. Mind you they had asked for an affidavit and proof of payments while reviewing the activity, I ask them WHICH PROOF OF PAYMENTS, they tell me any is fine so I send them a bunch of proof of payments from my clients and the affidavit requested. Around 2pm that same day, they send me an sms telling me they are blocking my account again! What nonsense, I ask why is this the case, they say no they lifted the account to do the payment reversals? I tell them I was not made aware of this, I was just told they are lifting the hold on the account since I had sent the documents. THEY THEN TELL ME THEY DID NOT RECEIVE ANY DOCUMENTS! I tell them how is that possible, they had given me the email on the Whatsapp line and I had sent them promptly. They say that is another reason why they put the hold back on the account and that they would get back to me again. Fast forward to the 30 of Jan, I contact them, they tell me they are still busy with the investigation so I must wait. I wait until the 2 of February, the 2 R200 have been reversed already to the complainants, no one is contacting me and I need my account to continue my business. So I am forced to contact them again. LO AND BEHOLD, I AM TOLD THE HOLD WAS LIFTED SO THAT I COULD ACCESS AND REMOVE MY FUNDS AND THAT THE DOCUMENTS HAD NOT BEEN SENT TO THEM YET. How is this possible??? I had up to that point sent the documents they had requested atleast 5 times, including directly to a consultant who told me they would send them directly to stop management AND I had not been told that "I was supposed to access my funds" whatsoever! How on Earth would I have been able to access my funds when they had blocked access to my Capitec banking app on the 20th of January, INCLUDING when they lifted the hold? So the following day, I decide to go to the branch to enquire as to why this was STILL the case as up until this point, I had been speaking to consultants over the Whatsapp line and over the phone, On the 3rd of February, I get to the branch and enquire. I sit for an hour and 30 minutes with the consultant as she makes call after call to the ***** and stop departments where they are less than helpful until she eventually gets through to one of the people who tells her THEY HAD STILL NOT GOTTEN THE DOCUMENTS. I am absolutely astonished at the incompetence being shown at this point so I ask the lady if I can send the documents to her instead and she sends them to the relative departments while I am still at the branch and while she is still on the phone. She does so, tells me they are now saying no the reason they put the hold on the account is because they put it on ***** monitoring since October of 2025(a completely new development, mind you) and they would contact me within 24-48 hours. I thank her for her service and leave the branch. Not an hour later, infact even less, I receive an email from Capitec telling me that my account is being closed!!! What for?? "The activity on your account does not align to our internal policies and regulatory obligations." So I instantly contact the complaints department, outlining the sheer incompetence and runaround I had been subjected to up until that point. I am contacted by an agent named Amy, who assists me and tells me to send everything up until that point because, I kid you not, THEY CLAIMED THEY HADN'T RECEIVED THE DOCUMENTS UP UNTIL THAT POINT!!! She tells me she understands my frustration and that I should send the documentation to her and unfortunately, I would have to wait YET AGAIN. Dejectedly, I send the documents and wait. 7 days later she calls me and tells me THEY ARE REFUSING TO OPEN MY ACCOUNT AND TO GIVE ME ACCESS TO REMOVE MY FUNDS. Reason being? I receive money, and send it to Luno and VALR, which is typical of mule activity and I do this frequently and they had been monitoring such activity since October. I am FUMING at that point, because I hadn't been given any warning in October, I only sent money to my Luno in November on the 11th,14th,15th, again I hadn't sent money to crypto up until mid December, then after I sent on the 7th, 9th, and 17th of January. At no point was I told that this was not inline with capitec's policies and regulations. So just a quick recap: Account blocked-R200 reported for ***** twice I explain and request they reverse. They ask documents, I send. Account stays blocked, they open and reverse, Why is account blocked, "opened for reversal", I send documents again Account stays closed, why is account closed, "was for you to remove money"-never informed of such I send documents again Called by consultant-I send again Account stays blocked-documents not received-I send again Go to branch-documents not received yet again, I send again Account closed-refusal to withdraw funds-I send again Reach out to complaints-I send again,refusal still holds, "mule activity" I cannot make or receive payments, neither can I pay my taxes as a result. All over R200.