Pathetic bank

I took a temp loan Dec 2020 with Fnb and as usual payments are done as soon as a deposit is made into my account( no specific debit date) now between Dec and and Feb I have had 3 deposit that came through my account excluding my salary but to my suprise Fnb did not debit the full amount...in fact they left R250 which I assumed they will later debit. As mentioned above deposit came through my account and still this R250 is not debited on my account until I received a threatening letter on the 13 Feb that they will blacklist me..I was so shocked that they will send me that type of the letter when their terms clearly stipulates that " any deposits made into my account will be used to settle my temp loan" and was given 15 days to settle this amount otherwise I will be listed..I rep**** to the email raising this concern and days went by with no reply...I logged in to my online App and started chatting with one banker to assist in resolving the issue before their"15 days lapsed " and the amount was settled. To my suprise weeks later when I check my credit report the R250 reflects under my profile and has affected my credit score badly..36 points down for a process failure from FNB side...they failed to follow their own terms of contract for temp loans and further more failed to honour the term on their letter of demand...I have made several calls and send emails which they have not bothered responded too..Quick to mess up other people's credit score..worsed bank ever I sometimes wonder why I stayed so long with them...need my account cancelled I will switch my salary and debit orders to a more appreciative bank which actually cares about service and the happiness of their clients. But most of all sort out the mess you created on my profile