Rude and uniformed collection agent.

Today I got a call from A collection agent from FNB loan department(Paki Nevumbani) where he stated that my account is in arrears,I then asked him when did the debit order run through because I don't understand why the account is in arrears,he stated that the debit order ran through on the 23rd,I then explained to him that I get paid on the 25th as stated on the contract and he started being rude that I should read my contract.When I requested a copy of the contract he stated that he cannot give it to me.I believe that this is the reason why FNB is loosing a lot of clients due to this poor customer service.Their agents should learn to speak to the customers.