Finchoice stop messing my credit score

I was owing Homechoice 4 248. Home choice and I reached an agreement that they will debit from my account 1st of every month. This was September of 2021.

From there I made sure that each month, home choice gets their money without fail. I have been paying every month since September of 2021, I have never missed a payment.

Around October or so I received an sms information me that I should make provision because now my statement will say MBD instead of home choice. Indeed I noticed this change on my monthly debits. This MBD company has been taking money in my account every 1st of the month for the past 3 months.

When I received my credit report I was surprised that this company says I owe them and I am in areas of R1523. I quickly called Homechoice for an enquiry. Home choice tells me I don't owe anything and my account with them was closed.

I asked them if they say I don't owe them anything how come they have been taking money from my account for the past 14 months +. They tell me the status says transferd to finchoice, so I must take the matter up with finchoice.

(And yes I did ask Homechoice to close this account a long time ago. The lady I spoke to suggested I make the account domant. I told them explicitly that I don't want their account appearing under my name. I want it closed and removed. But to date their account still says active according to your report. I thought it's owkey I will ask them to close it again when I settle what I owe. Which according to my calculations I should be done paying them between February and March of 2023)

Now when I call Finchoice they tell me that my account was handed over to MBD hence they are the ones now debiting. I asked the lady to explain to me how does an account gets to be handed over? She refused to give an answer but insisted on transfering me to another department that will explain to me how it works. Then I spoke to another lady who ddnt even have time to listern but said she was transfering me to legal department.

From there my call got terminated. When I go back to Homechoice and finchoice they tell me my reception is not good they can't hear me all of a sudden.

I don't know how many times I have been calling this MBD so called company but they are not picking up the call. How do they take money from my account every month and still turn around and say that I owe them? My account statement is proof that every 1st of the month for the last 3 months they debited. The very same months they claim I have missed payments. Now my credit score is 10 points down for no reason.

How does Homechoice transfers payments to finchoice without my knowledge and when I told them I want nothing to do with finchoice. Finchoice tried to sell me loans previously and I told them I don't want to associate with their organization. How do they even handover an account that doesn't miss payments?

I want this matter resolved as soon as possible and I won't let this go. Tell me the procedure you used to escalate my account to MBD. Don't pretend not to hear me when I call you and definitely don't think pretending to transfer me to another department only to terminate my call will discourage me. No, not when you are playing with my finances and credit score. Someone better fix this nonsense soon otherwise I have all the energy we can do this all year round and I am very motivated to change the playground.