Pathetic Service !!!!!!

The service level at Capitec Bank is shocking - I had a query with the Credit Facility department when they logged arrears on my ITC profile. Firstly, when my salary gets into the account Capitec is the first one to take money out of the account for any loan and credit facility amounts owing. I have never been notified through a phone call, email or an sms that my account is in arrears .. I sent an email to the credit facility department and I got a lousy "we are sorry for your bad experience" with no explanation on why on my credit profile is listed as being in arrears. As a result of this my credit score has gone down by 25points. No explanation, nothing!