Unacceptable business etiquette

I have had my Edgards account for MANY years, and never defaulted on payment. In October 2020, I again paid up my account. I never received any statements, and also forgot there was a club card fee, as I had the interest free account. When trying to use my account the other day, I was advised there is an outstanding balance. Upon enquiries, I was advised it's the club card fee. I immediately then settled it and also requested the club card membership be cancelled. Long story short, my card got blocked by the Agent who advised what the balance is for, and then the ***** department, who the Store needed to contact, apologized that I never received statements as the Company lost customers details, hence i never got statements, but due to me not paying the club card fee for some time, my credit rating dropped, only giving me credit facility with them for R570. I am not in need of their credit. It was my 1st account I opened when I started working, and to be penalized for their error is unacceptable. For me it's the principle. I paid up all my accounts (only have 2 accounts) to avoid going to Stores during the pandemic. So by not receiving a statement, and in my mind I settled them, I never expected to still be owing anything.