Unauthorized Debit Order

My account was debited early without my knowledge or consent. Other service providers either phoned, SMS'd or emailed me to request or remind me of an early debit date which was clearly out of courtesy. I declined all requests as I know that I will have sufficient funds in my account at month end. If I had cleared all the money from my account then I would have been liable for the reversal fee and whats worse, it shows on my credit history. Huge inconvenience caused as I now have to restructure my budget dead centre of the festive. I am disappointed Capitec Bank!!!