Very poor service and unprofessional

So iv got a few funeral policies with Disc-chem ...and since the 1st of the month still waiting Fr them to debt my account .but then it's going to my fault ...for not paying but they dnt take thier money when they supposed to and I'm never late on any of my payments when I try and call in they put me on hold for 1 hour ...just so they can debt my account I mean now really this is very unprofessional and I'm really not happy with them at all ...