Fed up

It's now almost a year that my medical was canceled and every month the premium still goes off. If there is no funds, unpaid debit order fees are being deducted. I have to phone every month to get the amount returned and still need to pay the returned debit fee. Every month they say it will not go off again but still it happens. I know someone else who is also unhappy with Discovery bank due to this issue. I'm getting fed up to phone every month. Maybe it's time to change my bank?