TERRIBLE SERVICE FROM CAPITEC

I am extremely disappointed in the service that I have been receiving from capitec in the past few months , my November credit card payment was deducted on the 25th of November and for reasons I still don't understand the payment was not allocated , I was sent an SMS that my account was in arrears and I must make a payment , I called capitec and was told to visit the branch and at that moment I did nothing wrong cause the payment went through from my account , I was told its an error and it will be fixed within 2 days which never happened I had to once again call capitec as I was being harassed with calls and smses that am owing money and eventually on the 3rd of December the money was allocated and I was charged arrears on something that was not my fault and I did not even get an apology from them , and again this month on the 25th of January 2022 my account was debited and today I receive an sms that my account is in arrears , now I must run around for something that I did not cause ,I expect this to be sorted and that I don't get charged arrears like the previous time.