account in areas

I took a loan with finchoice November 2015 of which I have to start paying February 2016 as part of their promotion they debited my account on the 28th of November and called me for a refumd saying it was a technical error then they refunded me money and the same thing happened December they refunded my money again now they calling me telling me my account is on arrears I am so sick of their system errors that will end up messing up my name I pay my accounts every month never miss a single payment so I will not sit and watch them trying to ruin my name they are incompetence if I call them they tell me to ignore it the next minute they collection department call me to say my account is on arrears