Fees charged

In January 2020 I paid my account on 24/01/2020 as I knew I would not have funds on my account and so Telkom attempts to debit me on 01st February 2020 and obviously fails to do however I have paid up my account. I am now charged a fee of R202.73 so when I phoned Telkom I was told my payment was done late. How is 24/01/2020 late??? I told her I always pay my account before my payment but in February I was debited. She says if you cannot make a payment on your payment date you need to pay 10 days earlier. I get charged reversal fee from my bank and now from Telkom. If I paid in late I would understand but Telkom attempted to debit me when I had paid and now I get charged when my account was paid before my payment date