I have been contacted by capfin agent and still no resolution and i dnt understanding why the call me because my issues was still not resolved and he mentioned with confidence that if i am being charged for insufficient funds on my account its my responsi

I have been contacted by capfin agent and still no resolution and i dnt understanding why the call me because my issues was still not resolved and he mentioned with confidence that if i am being charged for insufficient funds on my account its my responsibilities that i mist have funds on my account for them to debit and there is not nothing the will help me for that and its not even the debit date that we aggree on yet and i am being charged R147 by standard bank for debit bouncing back because of insufficient funds and i have never face an stupid agent as this one and unprofessional institute as capfin i will never have business with them or encourage anyone to have business with them. 😭😭😭😭😭💔💔💔💔💔