Nedbank Not compliant to Client Prvacy and ******** deducting of funds

Nedbank created a personal loan profile on my Nedbank App showing a total of R20000. Money I dint have and never received. This week they decided to Debit my account with an Installment of R575. I called and the agent at Legal Kathiga Haripersad informed me this looks like an old loan from 2017. I have no recollection of this Personal loan? I asked for the amount to be reversed and she refused, she advised that I have to make an arrangement first. When I asked arrangement for what exactly, I need proof. She advised me she needs to request a statement that will take 3 days before she can consider reversing this amount.

I than made a second call to Christina Pillay, she also advised me this was oan old loan but they have no proof or no statement. Ad she cant guaruntee that the money taken from my account will be refunded.

1. How does Nedbank have the authority to add a personal loan they assume is mine from 2017 to my APP without my permission (Popia Act not comp****) 2. How does a Banking institution deduct money from your bank account without permission or an arrangement or even firstly proof of debt? 3. How is my banking not private, thus allowing Nedbank Legal into my banking account>