Complaint about my Ackerman's account

I am not happy with Ackerman's store, I have an account with them from 2019 and 2021 I bought a phone at Ackerman's Sammy Mark's in Pretoria CBD, I wanted to insure my phone and the lady who was helping me she couldn't process the way she was supposed to according to Hollard Policy and my application for insurance then was rejected and declined. I forgot about it and 10/10/2021 I have made a payment on my Ackerman's account and settle it, I then contacted their head office with the store cellphone to put my account on hold and the guy who helped me through the phone told me that my account is not closed permanently but I won't be able to use it for purchase unless I decide to reopen it again and there won't be any monthly fees charged monthly and I was happy to hearing about the exciting part of not being charged fees.

So July 2022 I received an SMS stating that I must not forget about my insurance policy, I then went to Ackerman's in Acornhoek Mall in Mpumalanga to enquire about the sms, they were unable to help me and requested that I should atleast pay R1.00 in order to see my statement. Yes I paid and my account was still R1850 as it was from 2021, boom after few days, I received an SMS stating that I have a balance due of 173 of which 40r is due by month end of July I then went to Ackerman's in Acornhoek to ask about it and the Ackerman's Head office told me that I have an insurance from 2020 September, and to my surprise who gave them the permission to access my account since it was put on hold till I request them to open it for me, I then went to Ackerman's in Pretoria for further information because this was all done without my knowledge. And the lady who picked my phone from head office was very rude and told me that they have nothing to do, and my account will occur arrears and I will still receive their sms and endless calls if I don't pay the 76 that I am not even aware of.

Since I am receiving their calls daily even at night from this number *** Ackerman's Finance Department, very rude employees working there, all of them are busy telling me to call Hollard and that it is not their Account that is being affected when I tell them that I am still waiting for Holland to investigate the matter since they said they will communicate with Ackerman's head office and all this endless calls and sms it shows that they didn't take this matter to head office.

Now my credit score is even affected because of Ackerman's and Holland policy, I was debt free and now am in arrears because of their negligence and if they can do this without my permission it means they can even use my available balance to use it for their personal gains.

I need help with this issue as soon as Possible because I am not happy at all.