Un explainable deductions

I will be honest to say I have always had good experience with Capitec Bank, the reason why I opened the account and stopped using the one I was using before them had always been satisfied until this Month, March 2021. First time I had about set off, is when I saw money leaving my account. My most needed money , I went in livid, close to tears because I needed that money. They explained what a set off is and unfortunately I cannot get my money back. I the customer owe Capitec WITHOUT taking a loan. I then wanted to close my account but I was told that I can not as I still owed them. Now I did not want to close the account because I owed them, but I wanted to close it because I did not understand how I owed them. How I never heard of Set Off before until it hit me, and they tell me it has been in place since 2020, which was news to me. Nonetheless I told myself that when I do get money in they will take again and my debt will be paid. When I went in they did tell and show me how much is left. I did get money in my account and they deducted their set off and my debt was paid...

Now today I get money in my account borrowed money if I must add and it was deducted, no message that says set off, Nothing. And when I look at my account details it says I still owe Capitec Bank money, the **** for . No I am leaving Capitec and my family is going with me, this is bull****, excuse my language.