Capitec ruining my credit record

Last year I had to battle to apply for an increase on my credit card and due to the incompetence of Durban Capitec Branches, I even got blocked for ***** Alert. Luckily Harrismith Capitec sorted everything out for me and it was smooth sailing for a while.

Then after about 2 months (just after MFC approved me for a new car) I got a notice letter that my access loan is now decreased by 50%. Which in principle I'm fine with but what is trully upsetting is that not only am I seeing now that apparently I missed a payment on my Access Loan in September but also my credit usage is now through the roof (more than 100%) because Capitec lowered my Access Loan lower than what is outstanding. This happened without reason and without giving me an option to appeal or disagree with this decision.

Due to Capitec my credit rating is curently down from 655 to 622 and I have not missed a payment in 6 months but yet again due to Capitec my credit report reads that I have. Since my previous complaint on HelloPeter was never taken further, does Capitec even bother trying to help unhappy customers or is customer service something from the past?