Discovery owed me money but put me on bureau????

I cancelled my car insurance with discovery, sent an email to cancel and got a response acknowledging the cancelation. came month end they still Debited me, I followed up on this and after 7 working days they reimbursed me. all was going well. a month later i app**** for vehicle finance and it states discovery put me on credit bureau for outstanding amount R1400. how is this possible when they owed me money and reimbursed me.

now i have to try solve this issue by getting credit reports and i am on a time sensitive matter as i will lose the car i am applying for.

I would like to know how am i in the arrears when there was not even an attempt for them to debit me and the fact that the insurance was cancelled.

There incompetence has cost me. and how long is it going to take to solve this issue, in the mean time I am sitting without a car. i am seriously going to cancel my other insurance i have with them. and maybe our medical aid as well.