****ty customer service

Every year i have to call into Capitec and advised them not to debit me early as my salary date remains the last day of the month, the institute i work for does not pay salaries early and we receive a mid year bonus so there is no funds in my account, with this said my account still gets debited early which result in me having bank charges, my loan account goes into arrears and i have a negative on my credit score, i called in now again spoke to client services which transferred me to the collections department , i spoke to Kumalela and she told me to go into my Capitec app messages and get the message there that will allow me to opt out , to no surprise there is no messages like that in my app, then they tell me there is nothing they can do i will just need to go into arrears which i think is utter bull****, where is your client services here???? quick to get the clients is but the servicing after is pathetic spoke to the team leader also Tulasizwe who also told me there is nothing they can do yet i called the other banks i have products with and they are able to adjust my debit order to be deducted as per usual. I NEED THIS SORTED OUT ASAP there is enough time to amend this debit order !!!! FIX IT SO THAT I DO NOT GO INTO ARREARS UNNECESSARY! its ridiculous that i have to have this fight every year