Payjoy or Payjoke

I have had endless issues with Payjoy for a contract I took out in 2024. My last payment was die December 2024. I sent proof of payment (18 December 2024) to a customer service agent named Nkanyezi Mlangeni after consulting her on the amount payable R296 which she advised I should pay into Payjoy’s bank account. Bear in mind that this amount is more than my monthly instalment of R248. Subsequently Payjoy has sent negative stats to the credit bureaus and I have been struggling to get them to correct this matter. Contacting them again this week has proven to be such an effort as you cannot directly speak to a customer service agent and their Whatsapp contact took me more than 30 minutes to even get to chat to anyone. I chatted with an Olebogeng (Ticket ***) who then indicated again that I should wait until they review all this again. The service levels are disgusting and the attitude of these Service consultants are just ridiculous. They do not care to appease you as a customer. I would advise everyone to just not do business with Payjoy at all. Improve service levels or just close shop and stop wronging your customers and act like we don’t matter… Surely the worst customer service experience ever. And from all reviews I see I’m not the only one.