Capitec Bank poor customer service

I recently experienced a situation were Capitec deducted a premium for a Funeral Plan policy that lapsed in June. After contact with Capitec Bank on 10 November 2020 they assured me that the money will be paid back within 48 Hours. That did not happen and Capitec blame the underwriter Centriq Life for the uphold of up to 45 days.??? That does not make sense. I contacted the helpline with no positive result. The only actual thing that happened was a call harassing me at 09hoo on Sunday Morning 15 November. Be warned that if Capitec Bank do a ******** deduction on a debit order, the battle to get that reversed and the poor service you receive will be major.