Poor telephone etiquette from consultant.

Firstly the statement that I get I cannot view, so I paid an amount that I thought was fair, only to get a call from a consultant who very abruptly says that I owe R200 more for my monthly instalment, then practically harassed me into telling her when I will make payment and how will it be done, this is unacceptable, how can you treat people who actually make monthly payments on time every month this way. Furthermore when I made an online purchase the first and last time ever because that process was so appalling , the product that was sent looked like it was used, the box was smashed and the item was dirty, this is just to mention the service that we as clients have to put up with. Please can we the clients be treated with a little more dignity, and clearly the staff need to be properly trained.