Bad Bad Not Good service!!

I paid my credit account "earlier than they wanted to be paid". The payment was incorrectly allocated which led to "the system" noting that I missed a payment. Their mid-month debited then bounced. I called them to discuss the matter but they still went ahead and double-debited my account for the next month. They just don't hear their customers out. Their disjointed relationship is with FNB collections is just plain bad for customers. They don't respond to customer e-mails. It seems like they just let AI run everything and there is no human element.