Personal loan

I took a personal loan with Nedbank in 2019,my problem started early this year, I tried to extend my loan and it was declined reason being I'm behind with payments. I'm repaying through a debit order on the last day of the month.So how is possible to miss payment/payments? 1I have been working ever since I got the loan ,never stopped even when we started with lock down,which means I was receiving my salary as per usual 2Nedbank never initiated a communication with me regarding my so called messed payments 3 In December they double debited me and I complained and I was refunded, my question is why would you refund someone who owes you. I went and called Nedbank countless times, I'm not being helped clearing my name ,I don't owe them a cent ,they are debiting their payments everymonth,but they have the nerve to register me as a bad payer, my credit at clearscore says I missed more than 7 payments. I went to Nedbank and the lady who helped me says my account is up to date,then I went to capitec so that they can consolidate my Nedbank loan as I was tired talking to them to rectify their mistakes,capitec couldn't help coz apparently my loan with Nedbank is behind.Im so sick of Nedbank,.I even submitted my bank statement from last year but still no help. 1