Don’t go for Nedbank home loan

I have a home loan account with Nedbank since 2018. Not even once did I miss a payment for my home loan and when I go to my clear score I see that they say I missed my payment twice this year for Jan and March. I quickly call them and they arrange for an investigation to be done,once the investigation was done they tell me they tried deducting and there was no funds. I provide them with my bank statement to prove there were funds and they were funds. They say they can only sort out March payment but the Jan one will not be sorted because I’m supposed to have R50 on top of the debit order amount which is 7500. I don’t understand which policy states that I’m not supposed to have the exact amount they’re rebutting and R50 more,mind you I had R42 extra. Now it’s on my credit score as a missed payment because they couldn’t debit the 7500 as I was supposed to have 7550(I don’t know for what cause they deduct 7500) and how much I have in my bank balance is none of their business. Now my credit score will forever be affected because of their incompetency. I’m definitely switching my home loan!