Unauthorised debit

Looking at previous complaints I see I'm not the only one with this challenge.

Yesterday tracker debited me for the previous month and this month since I missed my payment date last month. Totaling R550

The main challenge I have here is that they didn't even tell me in advance that they were going to debit me yesterday which was the 26th of May. My agreed upon date for debits is the 1st. They didn't get permission from me they just took the money. That money was not even mine to begin with, it was placed in my account by someone else.

When I called them today they said they couldn't pay back the debit yet they took the money on a date that I did not agree upon. What's the point of picking a debit date if the company is not going to stick to it? I asked them why the amount was debited yesterday specifically and they said it's because there was money in my account. This reason is not good enough and makes no sense whatsoever. Why wasn't the money debited on the 2nd of the month or the 3rd or other days in the month when I had the money. They said they don't know it just happened on that date.

Clearly I made a mistake choosing tracker. A company that clearly has no regard for doing things the right way, and informing people beforehand when they'll take money from your account. Then they have the audacity to say they can't give back money they took without permission in the first place. This is in completely poor taste and speaks to the type of people offering this service.

They don't care that they debited me on a date that I did not agree upon with money that I'm now unable to pay back to the rightful owner. All this translates to me that they don't care about their customers.