Incorrect dedection from my BANK ACCOUNT

Good day, I paid my loan in full Mid-January 2025 with Finchoice. At the end of January they took a random amount from my bank account which they paid back the next day. At the end of February they took R508 again from my account for an account with a ZERO BALANCE. I phoned them on 27 February 2025 and was informed by the customer care that it takes up to 5 working days to get a refund. Who in the 1st place gave them permission to take the money from my account. Today I called them again and according to Customer care the refund shows pending. Why are they doing this to me? Why take my money in the 1st place when it is not due to them? Every time I phone, they ask you 50 questions to verify yourself and with my airtime for their mistake. I want to be compensated for your mistake FINCHOICE. Because if it was me not paying my account then you will charge me interest on a daily basis. So, I charge you now interest for the days that you have my money in your account and for the frustration and agony you are putting me through.