I want my refund FNB

I need my refund back for R560 that you charged me with reference of #ITEM PAID NO FUNDS 6 ITE MS ON 24/12. Telkom debits between the 30 of the month of 1st of every month but now it debited on 23 December 2024 without communicating with me about any early payment. You’re a ****mer, how do you expect me to survive if you will **** me my R560