INCOMPETANCE FROM FNB

I have taken out a loan with FNB in May sometime and since taking out the loan my FNB account has not been debited which ended up in my loan account going into arrears, When I had checked my loan account statement it showed the debit orders as being unpaid, but my account has never been debited, so I transferred funds to bring the account up to date. When I had called FNB on the 8 July 2024 I was told that they have been trying to debit a Capitec account *** , mind you I have never banked with Capitec or set foot in a Capitec bank. This negligence on FNBs side has now cause a negative effect on my bureau. I had told the person from FNB to load the debit, so the debit order goes off my account as I only bank with FNB. On the 12 July I noticed that once again I was not debited for the loan so I once again transferred funds for the loan. I emailed FNB to find out what was going on because on the 8 July I had told them to rectify their mishap, but it seems it was not done. I get an email today stating that they the debit order is coming back returned from a Capitec, this is really frustrating as I would like to know how FNB verifies bank accounts the account that is captured on my loan debit order details belongs to a MR LL NTHANI. Because of the incompetence of the person who captured my debit order details this now has an unpaid notice on my credit bureau.