Poor service

I called in November to change my debit date to the 25th of each month but noticed it didnt go off on the 25th for January. I called this morning to find out why didnt my full debit go off as a portion it went off on the 28th. I was told that a prorata amount was debited because of an error made by the actuarial team. No one told me of this error.

The second issue is that I specifically said to call me back at 12:30 with the explanation of why this happened...not before or after but I received a call at 11:45. I didnt answer and got an sms saying that you tried calling me. Someone called me at 2:10. I said that it's not acceptable and to call me at 4:30 with the explanation from a manager. No one called at 4:30.

If there was no money in my account than I will be blamed for not paying.