Money taken from my account

****elle have taken my from Capitec account without my concern the out of R473 of which they say I have joined there funeral cover that consists of thirteen members but those are not included on that policy and I haven't sign anything to join the policy and l have not spoken with anyone on the phone and they say k won't be able to get my money back meaning they have ****** from me because I can't dispute the amount they take money from our accounts and the dispute option how they capture my policy without putting my beneficiaries of it is right worse I am getting paid on the last day of the month and the person who was capturing captured that I am getting paid on the 25th please help me I want my money back