Reversed debit order fee

I am extremely annoyed by Woolworths financial services for charging an exorbitant R95 for a reversed debit order despite my account being up to date! The call centre agent have lots of gibberish about account date cycles closing on a certain date and statements running from a certain date. I find it hard to believe that the banks charge R95 for a reversed debit order. So instead of appreciating the fact that my instalment is paid on time I get penalised instead. I want this R95 charge reversed or I am closing this account.