i was unfairly blacklisted by payjoy

I was blacklisted for no reason Pay Joy bought a SAMSUNG Smart TAB buy credit for me, i did not know they were charging interests, it was not explained to me and there was not contract. upon realizing that i would have to pay 5000 for a device that cost 2500, i then contacted pay joy and requested to cancel the agreement and return the device, within a period of 7 days i returned the device and then made follow ups to check about the cancellation, few weeks down the line i receive a call from different dept collectors saying that i must make payment arrangements, i then contacted pay joy again, they said the were not aware of the device, they offered to restart the process and assured me that i will be done in 7 days , now its been a months since that 7 days passed they are not responding to my emails or calls, i only talk to the AIs nothing is happening. i was un able to take a load to pay for my daughters school transport due to this incompetence....