Capitec Bank defames my name and caracter with abuse of collecting abilities

My name is Maria Avenant Capitec Bank is “randomly” taking amounts from my Capitec and FNB accounts. My loan with Capitec is and has always been up to date. Every time I have to take off from work and go to the branch and sort the mess out…. Over and over again. It reflects negative on my credit rating and assures that I cannot obtain a more favourable loan from a more reputable/fair institution to consolidate and settle my Capitec loan. This month they took money (more than R 4300) from my Capitec account on 27 Oct 2018. (Although the debit order is with Fnb where my salary gets paid into). The funds they took was for material for frames I had to build for my employer. Being without this funds on the day I needed to pay cod for a delivery placed me in a terrible situation (like so many times before) and made me appear dishonest in the eyes of my employer. My salary was paid in today the 29 Oct 2018. As they have done so many times before, they took it again the moment is reflected on my FNB account. In other words they took it twice (AGAIN!!!) Now I have to take time off, go to the branch, sit and wait and explain to someone (probably ***********) to reverse my money that was taken (ONCE AGAIN) *********ly. Most months they try to collect from my Fnb account a day or 2 before my salary is paid in. If there is enough funds it will go through. If not enough funds (during this pre-mature collection) they will take it from my Capitec account. Then a day or two later, when my salary is paid into my FNB account, they will take it from my FNB account as well. I am a single Mother who lives on a strict budget. These funds are always “earmarked” for another purpose and ALWAYS places me in a very difficult situation. Every time I am assured that it will not happen again, just to experience the same ordeal the very next month. I am 39 years old and have NEVER missed any payment to any institution or individual ever. This misuse of the Capitec Banks ability to take what they want where they want to is causing huge problems for me and defames my financial reputation and thus my character. I want to make it very clear and simple. I have been as enduring and accepting as can reasonable be expected of any client/party to an agreement. If this same situation repeats itself next month I will close both accounts (Capitec and Fnb) and I will not pay back the rest of the loan in exchange for the frustration and the waste of my time. I am of the opinion that this would be fair? Why should I try to honour an agreement with Capitec Bank if the Bank is unwilling to do the same?