Capitec bank debits my account 3 days before for no apparent reason!

I received messages that my account is in arrears when it was not. I called the bank and the consultant advised that it was a system error as funds were even deducted from my Capitec savings account and not my bank where debit orders usually run off. The consultant reassured me that there was nothing to be concerned about. This was a week before my pay date which is the 25. On the same week the messages did not stop. I called again to make sure that the issue was resolved. I was told the same thing that my account is up to date and the system may have made an error. This week (22 July) my account was debited. I did not have sufficient funds to cover the installment and so the debit order bounced and my bank charged me a reversal fee of R147. This by the was is 3 days before the actual debit date. When u call Capitec they do not provide reference numbers or some sort of confirmation. By far the worse bank when it comes to customer care!