****med and *******ly being handed over to bureau

I have never felt so devastated because of a company like this! I took out one account with matrix which I took live at the Diepkloof branch, only to find my account debited twice a month ,that's when I started to reverse one debit order, I've been getting calls from their agents informing me that I owe and asked them to first investigate and tell me why have I been debited twice a month while I only have one account, they never got back to me to give me answers, then they decided to have a nerve of handing my account to two different collection companies, I paid the first one Hybrids hoping I will clear my name and continue with life...just the following day after paying...Risima collections company informed my account is also handed to them.....how crazy is this! If I have two accounts with Matrix, someone needs to tell me how did I open it because I know I have not taken the second account....I need my name cleared and my refund for all premiums debited without my authorization.