Capitec down the drain service

Three times in three months I am struggling with capitec to receive money that was paid into my account. First two times I had to confirm my bank details with the bank with my employer because overtime money could not be paid into my alaccount. After waiting for almost three months and struggling to survive my pension is paid into my capitec account, with proof of payment sent by the pension fund. Money doesn't reflect in my account. They tell me to wait 24 hours, nonsense it was suppose to reflect immediately just like my salary reflects almost instantly when the state paid in my salary every month. Capitec started with a bang, but now they are an absolute mess.