Resist the urge to be bullies PLZ

February 2020 i saw a debit of 12 rand on my account got an sms that capitec took it as it was a set off amount for a set of I ignored it a few days later same thing happens i go into a branch and they looked through my accounts and told that i had withdrew money i did not have in 2017 which i then asked why wait 34 months to something about it no call or anything the one day you decide to take my money because you can with out any consultation , i lodged a complaint via their complaint line as i felt with all these *****s and ******* debits why would they feel the need to just add on to that anxiety , and i was told that smses where sent notifying those affected which i then asked was that appropriate is that the norm when dealing with money you send an sms and hope the person receives it , how then do you know that it reached the correct person ,and are we not supposed to reach an agreement as to how we pay each other more so when you *****ed up and actually need me to help you rectify your mistake but because i am an individual and you an institution you can do as you please with my account which i believe tantamount to ***** as i have no agreement with you to take any money above your bank charges , just the common courtesy of informing me that this is what is going to happen how much can you afford repay us now i cant even keep a balance in my account which is an inconvenience and an expense for because i have to transfer it out meaning im paying two banks for the same transaction , you waited 34 months but still couldnt have the courtesy to pick up the phone and call your client , your complaint resolution people are giving me the run around no response to my complaint made 15/08/2020 pertaining to this , if i could i would give no star as i feel bul**** and victimized by your institution , never have i felt like just an account number as you guys made me feel after 8 years of loyalty