Bank gets to rob it’s clients

So today the 15th of December I wake to a massage from Standard Bank to say they have debited my account for my personal loan. I check and find that they had already done this as per agreement on the last day of last month. Try to phone them and get told they are experiencing a high call rate. I then received a sms tell me they have double billed my account for my convenience for my next family holiday and that I am to be billed as always on the last day of December for my January payment. Now I ask what family holiday? You will have taken my money three times in one month by the way December is family holiday month and if you have done this to all your clients with personal loans you have ****** every single one to your great financial gain Standard bank you may as well start straight out *****ing form your clients