No assistance empty promises

There was a ***** case on my account about 5 months ago, the 3 months they were busy with the ***** case and trying to get the money reversed back to me they charged me R541 each month for those 3 months.. I am very upset as i explained to absa everyday whats happening and they took so long to come back or help and assist and give me answers and when they eventually came back to me after 3 months they said the R541 that was charged on the ***** amount that was taken from was chargeable they are threating everyday to take me to the lawyers and give me such a bad credit rating because of this whereas i have never ever before missed any payments or have gotten any bad credit.. I feel this is unfair for me to be charged as Absa took so long to respond and sort this out and just the whole way they have seem to assist by harrasing me more than rather assisting and giving me now a bad rating for something that wasnt even my fault..