Inconsistent information

Im an FNB client and had a Capitec Account that is not active. I had taken out a loan with Capitec and never missed 1 payment. Capitec has been deducting premiums from my FNB account. They did a double deduction a few months back and sent message stating that they apologise for what happened and they will be in communication with my bank and my money will be paid back into my account. Guess what, they paid the money back into the Capitec account that is not active, Who must reopen the account to access his money? why not pay it back into the account you took it from. Im not happy and I will raise the matter with the Baking Ombudsman should this not be attended to.