Debit order went of on a wrong date

On the 15th December Capitec Bank debited 2 monthly installments for my loan and credit card which was due on the 26th December. I didn't have any agreement with them to debit on the said date. It really inconvenienced me a lot as the funds i saved them to travel home, as i was closing before my pay date. I then went to the branch to inquire about this and they reversed the payments. To my surprise I was charged R49 per transaction for their error. I then asked to speak to the manager as I was not pleased as this was happening for the 3rd time in December for the 3 consecutive years, 2019, 2020 and 2021. she had to pay that from her pocket because I refused to be charged for their error and I felt I being punished for having funds in my account. The previous years I ignored it knowing that I will still have to pay the due installment anyway in-spite the inconvenience that caused me. I was at least expecting them to debit the amount due when I get paid which that my salary is paid to my Capitec account as they say they track the debit order through NAEDO. In my surprise, when my salary was paid they did not debit the due amount, even on the debit date. I had enough funds to cover all my debit orders that were not yet debited. I started receiving smses accusing me of not honoring to pay my installment for December. I did not understand because there were still funds on my account. I kept getting smses and I got annoyed so I had to make an EFT payment. Few hours after i made an EFT they debited again, Some of the smses I got they advised me to make a manual payment to the account. That has inconvenienced me again because, the money left on my bank account was now not sufficient for other debit orders and Capitec has charged me for unpaid debit orders and I am left with debit orders that are now behind for something I have made arrangements for.

I am displeased with this and if I go to the branch I feel this is not taken serious. Capitec operates like a ****a shop. I wish something can be done about this. My bank account is not used for debit orders only, I have other transactions that goes through my bank account. Sometimes it feels like it is the bank that has more access and say about my money.