Totally Unacceptable

This is the 3rd month in a row that I have to complain to get some sort of feedback. My Capitec debit order for my revolving credit is the 1st debit order to go off my account but is never allocated when it should be. This is capitec to capitec surely it should be an immediate allocations. This has now affected my credit rating stating I am a BAD PAYER / LATE PAYER and Capitec wants me to run around to get my ITC report for them to sort this out!!!!! How can you expect me as a client to get this report when Capitec does not allocate the funds when it has clearly gone off my account. Every month I get different excuses and cannot believe that you cannot sort our your own financial department to allocate payments. How am I supposed to trust my money with Capitec?????