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My account is always up to date. My first payment using the same reference number I was sent an SMS thanking me for my payment. Following month I pay via my FNB app again using the same reference. To my dismay, I am sent an email my account is in arrears, I ask for an email address to send proof, all I get is your account is now up to dare, with no apology nothing! The following month I pay, I get another SMS account in arrears, I send proof to the same email, and wow the emails are in my outbox. I then use my work email and wow they still in my outbox. I send them over whatssap no response! Now collections are calling me when I am telling them I paid! Your email address is not working! I am sent another email address still in outbox!!!! Homechoice I will not allow you to tarnish my credit score! I will take this further with immediate effect!!. Find a way to get my dam proof of payment since you are *********** to track consumers payments