CAPITEC`S SERVICE IS BEYOND ROTTEN

In November 2019, Capitec debited my account without my permission and i had to fight to get my money refunded back into my account. I didn't understand how they could debit my account without my consent and when they also got their money from my FNB account which should be the only account they debit. Now in January 2020, on the 24th, there was a transfer on 1170 from my capitec account and when i called in to find out what the hell is happening i was told that this is because they tried debiting my fnb account and there was no money...This is utter ******* because they got their money from my FNB account and still debited my capitec account. When i called, the agent i spoke to said she cant even see on her system that they debited my fnb account, she said she can only see the debit from my capitec account. How was that supposed to help me? Why would a contact centre agent not have access to all banks. She then said i have to speak to the collections department, i was holding for over 5 minutes and eventually gave up. I called on Saturday, was told that the collections department is not in yet.I called when they were supposed to be in and they didn't answer. Today on the 27 of Jan, 3 days after capitec took my money and still hasn't reversed it,i called and spoke to Sinethemba Msimango, her service was terrible, i could tell that she didn't even care about my concerns. I told her what happened and she said the money will be in my account in an hour, that didn't happen because i had to call again now after 2 hours when i still didn't have the money. Sinethemba has no people s****s, i asked her what can be done to make sure that what has happened doesn't happen ever again as it was happening for the second time and she just said to me "please hold" then she transferred me to the complains department without answering my question or explaining that she is transferring me. I was so shocked when that happened because to me that means she hung up on me. I was holding for the complains department as shocked as i was and guess what? There was no answer...This is terrible service, i am disgusted to say the least!!!