Not A Better Way To Ban****

I am really upset & disappointed with the service I have received from Capitec Bank and their Customer Care Centre. I am unemployed & have been making payment arrangements with Capitec for my loan & credit card repayments, which they never honour and I keep having to go process reversals. My first UIF payment came in and despite an arrangement, I had sums of money taken from my account. I keep telling them that I can never know how much I am going to get so I gave them an amount to deduct. Prior having dealt with a rude manager and consultant at the Customer Service Call Centre, I received one email in response to my query, asking for my account details, I call today & I was advised that the query has been closed and asked if I received feedback or my refund. NONE which has happened to date. I am fuming!! I want my money & I am definitely changing banks because I am tired of this level of incompetence!!!