Wrong Debit Date

My debit date is set for the 1st of every month. Frank tried to debit my account on the 27th of January and it came back reversed because of no funds available. I called Tongo on the 27/01 and asked him what was my debit date and he confirmed it was set for the 1st. I explained to him that I got debited on the 27th and I had no funds available in my account he said the he will escalate the matter to the manager who will give me a call back. I called on the 28th and spoke to Christine who advised me that I will get feedback in 24hrs has that was their policy. it's now gone over 72 hours and nobody has contacted me about this issue. This is a bad refection on my side because this was a reversed debit order and what makes it worse is that I have to pay the bank charges for this. I want to know who gave them permission to debit my account on the 27th when I signed for the 1st. Money was available in my account on the 27th and they debited the amount. Frank is the people we supposed to be trusting with our insurances(life policy) and they can't get a simple debit order date right how are we going to trust them with a life policy???