Bullsh*** Service

This is the second time in a month that I've had to complain about Capitec debiting my account early. For a SECOND TIME I'm having to pay for their incompetence and inability to stick to dates arranged as per my contract. My overdraft was used and not only that; my account has gone into the minus. In December I was contacted and told that accounts are debited early, because people get paid earlier. I did not agree to this. This is also not what I signed for. What is the excuse for January? Who is going to cover the extra costs for using the overdraft?