Discovery App Scheduled Payments

I am financially disadvantaged this month because of the scheduled payments functionality on the discovery app. I scheduled a payment on the first of August to go off on the 20 of August to the recipient. It’s the 1st of September and the recipient still hasn’t received the funds. I call the bank to check and they tell me I was supposed to make payment to this recipient first before I schedule the payment?? What are you saying??

The payment didn’t go off ??? And whose problem is that?? Now I am running behind on payments , I need to pay double this month , and I was not financially prepared for that …. Discovery focuses so much on financial planing, budgets, you design courses for financial literacy but the important things are not communicated ? As a client how was I supposed to know that I need to have payed them before to schedule the payment? From the bank’s perspective who is suppose to communicate that ? And how was I supposed to know?

Can I please get feedback on how this is going to be amended !!!!!