Debiting twice, resulting in negative balance

We arranged that my wife's credit card being debited from my bank account. For the past 3 months I'm having the issue where my account are debited as soon as my pay comes in and then being debited again the first week of the following month. After the second debit order, my account goes into a negative balance. Normally a day or 2 after the second unauthorised debit, you guys refund it back into my account. This type of behavior of your organisation caused that I have a bad credit record. Unacceptable!