Awful big company

I notice FNB has been trying to contact me regarding my account following that SMS they sent saying my account is in arrears. Finally called the home loans department and spoke to Lerato who advised my account is in arrears with the amount is R70 due to the increase in the repo rate. What BULL**** is that? How is the repo rate increase my responsibility or my fault . Does FNB perhaps know what the meaning of arrears is or I’m the one who is stupid and unlearned? I am soo mad because if an account is in arrears is because of a negligent payer, a bad payer and the right to tarnish that persons name is understandable. This R70 has affected my credit score because of the word “ arrears “ I want FNB to tell me how they plan on fixing my name and score for a mere R70 which I can afford and was not aware of. This is sickening because it’s not the first time, the last time I was in arrears for a lousy R30 because of the government increasing things. You guys are soo inconsiderate and your service is always appalling. Based on the home loan contract I signed arrears refers to “bad paying” so am I a bad payer can I be told that. I am taking this to my lawyer because I am sick and tired of FNB threading my account is in arrears because of the increased whatever, why can’t y’all rather say : due to the price hike your accounts will have a shortfall balance if x amount, please advise if we must add this shortfall to your next debit order date ? Such a big bank doesn’t have manners and finds it’s easy to ruin people’s credits and names. This person whose is responsible for sending out SMS’s ad well as the call Center agents must be fired because they are *********** they don’t know what they are talking about. STOP CALLING ME ABOUT MY ACCOUNT IN ARREARS BECAUSE I HAVR NEVER MISSED PAYMENT. FIX THIS AND REPHRASE YOUR WORDS ESPECIALLY WHEN ENGAGING GOOD PAYING CUSTOMERS.