Do ABSA know what they are doing?

On the 20th of October 2017, I received a letter hand delivered to my security guard from ABSA homeloans asking me to call them or they would take further steps to "protect their interest"? It was a really strange letter to receive as by implication it would seem we missed a payment which was not the case. None the less, I called and was advised that I had taken money from my Flexi reserve and this may have cause us to fall into arrears. Having worked for the bank a while, I explained this was not possible because a Flexi reserve is extra money pushed into a bond which you have access to if needed. After further investigations it was found that the bank had incorrectly set up our debit and when I left in Oct 2016 the payment should have gone up. For a whole year I was not contacted? Anyway long story short, we restructured the bond and thought everything was sorted....

Turns out ABSA listed us? Because someone on the staff set up our debit in a way that did not accommodate these changes? And because they waited a whole year to contact us. Absolutely disgusting....