Deduction before agreed date

I am really frustrated with Capitec deducting from my account earlier than the agreed date. When I app**** for the Access Facility, I indicated to Capitec that I only get paid on the 25th of each month. Today is the 24th of January and Capitec has decided to deduct from my Nedbank account. WHY??? I called your Complaints Management line which only put me through to Client Care, and spoke to Valiswa & Mulanga. Mulanga informed me about Capitec tracking clients' accounts, etc. What is the POPIA saying about this? Who authorized Capitec to invade customer's accounts with their stupid Algorithm or tracking device or whatever they call it, and gave permission them to do whatever they want at any time? Why do you track my account if my account with you is not in arrears? Why do you deduct before the date that we have an agreement for? Capitec does not trust me enough to wait for the date that we agreed on before making a move on my account? What if there was no money in my account? What about the plans that I had for the money that Capitec deducted from my account as if it was the right thing to do? If I reverse the transaction, who is going to pay the reversal charges? Is it a CRIME for me to have money in my account before pay day? THIS IS TOTALLY UNACCEPTABLE,!!! I have lodged a complaint with their complaints management, I know they will NOT help OR they may CLAIM to have tried to CALL me, which is likely to be FALSE. I have been treated this way before by Capitec. NO WONDER THERE ARE SO MANY UNHAPPY CAPITEC CUSTOMERS ON HELLOPETER, THEY DO NOT CARE ABOUT CLIENTS- MAYBE THEY HAVE REACHED THEIR TARGETS!!!