Complaint Regarding Incorrect Charges and Disputed Balance

In July 2024, I entered into a loan agreement with RCS for the amount of R7,500 including the interest .The agreement was for a 12-month period, ending in July 2025. I duly fulfilled my obligations and settled the loan in full by July 2025, in accordance with the agreed terms. However, despite the account being settled, I was incorrectly charged for the months of August to October 2025. Subsequently, on 10 November 2025, I received both an SMS and a phone call from RCS informing me that I had been overcharged and that a refund of R1,335.70 was due to me. I provided my banking details as requested to facilitate this refund. In April 2026, I began receiving SMS messages and phone calls from RCS claiming that I owe an amount of R1,743.69. This is both incorrect and concerning, given that my account was already settled and RCS had acknowledged overcharging me. I immediately responded via email (in relation to the refund communication) requesting a full investigation into this matter. Unfortunately, I have not received any resolution or meaningful feedback. Instead, I continue to receive frequent and distressing collection calls. This situation is extremely frustrating and unacceptable. I am particularly concerned about the potential negative impact on my credit record due to this .