Absa messing up my credit score!!!

I have an revolving account with Absa and pay every month R1250. I set up my recurring payments on the Absa website so i dont forget to pay. Now i want to apply for an account and is immediately declined. After contacting Transunion i find out that i owe Absa R250 and they loaded an default on my name on my credit record at Transunion. After numerous phone calls i found out that all this time i have been making my recurring payment on the 5th of each month and Absa wants it on the 1st. Now Absa just decide to load an amount of R250 failure-to-pay on my name(apparently caused by interest charged due to my payments been late 4 days every month), without informing me or contacting me to resolve the issue, that cause damage to my credit record! Why not just send a simple text or email? So many ways to make contact these days... Thats not what i want from my bank. It seems Absa is against me and not there for me!