Unprofessional and frustrating Bank

I have credit card and loan account with African Bank. I was so disappointed to check my credit report to see am on arrears with 1 month with African Bank while every month they debit my account. They told me am short of R200 not sure why am short as they are the one debiting. My problem is every month I get a thank you for paying call but never you are in arrears call. I was told reason for arrears it’s my fault as I sometimes make payment to the account and I don’t inform them. What’s funny why must I call them to say I made payment and make sure African Bank debit the correct amount and they can even see money into the account. Now my credit report says am in arrears but their own credit report doesn’t show am in arrears. So I made payment myself as consultant said it’s best if I make payment so that they can update at the credit bureau after 21 days. It takes them 21 days to fix the problem but before doing that they don’t even call you to tell you that you are in arrears of R200 while it’s their fault that you are in arrears. Am very frustrated and I can’t wait to close this credit card with African Bank