Arrears interest; unauthorised deductions

What's up with #CapitecBank deducting money from my account without authorisation? Then with reversal I have to wait 48 hours for my own money or they want to put it in a different account? Further I now am expected to proof to them my pay date with submission of bank accounts and pay slips 5 years after I entered into the agreement with them, clearly stipulating my pay date after them having interrogated my bank accounts!! Why do I have to proof my pay date? I should be able to decide when they may deduct the money? They did not even give me a reference number on my enquiry! The worst service, ever! Also realised am charged arrears interest while paying by debit order on pay date!!!