Charged for insurance after paying off my accounts

I am not happy about how my accounts are handled by RCS 1.why am I charged insurance if my account was opened before September 2016..it's state that I have an option to choose if I wanted protection insurance or not ...u just added the fee on my accounts 2.i have been calling your contact centre regarding my accounts and the contact centre agent are so rude and are not willing to listen to me when i tell them that ,I settled my accounts in November already ..I Was told I only phoned in January to request the settlement amount..i explained to the agent that I was surprised to see an SMS stating I owe Rcs.the lady who answered the phone did not want hear me out she told me that I should pay the account and she won't be able to assist me with anything ...I complained about the insurance part because I did not sign up for it .I phoned again on the 2 Feb 2018 the said I request a settlement amount and I decided to pay a wrong amount ... When I explained that I phoned in in November 2017 for my accounts to be closed the agent told they will only do it on the 04Decembere 2027when the company closing their books.i never received any letter stating that my account were not closed ...am not happy about your services and am not going to allow them to tannish my credit score after working so hard to keep it clean