DISGUSTED WITH FNB FUNERAL POLICY

HI I have a funeral policy with FNB for the month of december they have been debiting my account for 4 days how is this even possible 1st dec they debit the 5the the debit then i emailed them and the refunded me just to debit me again on the 8th december and 14 december i have emailed them and called and they said the money isnt reflecting it will take 7days to reflect but the money is out of my account then i should call them back to find out what is going on i am the customer they should call me back regarding my account no the other way around im so ****ed off the minute i leave funds in my account they debiting as if this is a daily debit order.