MFC is being ***** and violating debit order mandates

********* practice where MFC broke our agreement and went into my account unauthorized. This comes after a campaign of theirs to debit customer accounts early in the month of November. An SMS was sent by MFC and it went unnoticed in my messages asking if I'm OK with them collecting early this month, I didn't see this message until they collected on a date we didn't agree on. When I called in they told me that my non-response to the SMS meant I opted in. The message is sitting in my inbox unopened and I don't understand this shady and ******** like behavior...me not seeing the message meant that I'm opting in? These institutions are getting away with violating customers and banking regulation. This is plain *********.