******* DEBIT ORDER AUTHORISATION !!!!

I called last year to settle my account with African Bank. They sent me a settlement letter and payment was paid immediately (Proof of payment) I then called the contact centre and the guy I spoke to confirmed that my booking is on a ZERO balance!!! I asked him to close the account and I'm going to cut up the card and he confirmed it is closed. I have a recording off this conversation. I called into the contact centre when they debited my account on the 25 January 2016 of R975.00. Who gives you the DAMN RIGHT to debit my account *******ly and without my authorisation. I called and spoke to the team leader Shaun Adams and he assured me my money will be deposited into my bank account. To my surprise they ONLY deposited the amount of R893.42 ??? WHAT THE HELL??? WHY NOT MY R975.00!!! I emailed Shaun yesterday at 08:27 asking him WHY and up until today, he still never responded. I called and left him a message with 2 agents to call me back but how convenient he wasn't available. I'm so peeved off that I'm taking this to the Ombudsman and taking legal action because I have both my legs to stand on because of the proof I have. HIGHLY DISSAPOINTED AND WILL ADVISE EVERYONE ABOUT THIS!!!