RCS Group - Cape Union

RCS is one of the worst companies I have ever dealt with. I opened up a Cape Union account in December 2019. My 1 and only purchase on my account was a travel bag, valued at R1300.00 Now when trying to make an EFT payment on this account, you use your account number as your reference, which is the same number on your store card. well that doest work, and the message displayed is that the "beneficiary reference number could not be identified for this account holder". I then made the payments to the RCS Group account and sent my proof of payments to *** and ***. 1 of the 3 payments reflect and the others dont, now the 3 payments add up to the amount of the travel bag I bought. Let me tell you the threating letters I get from RCS. Handover threats. Credit Bureau threats. All I'm trying to do is pay my account and I cant!!!! I eventually speak to someone, "Andiswe" and ask for a statement, it comes reflecting the 1 payment, I asked about the other 2? no he doesnt know and he will investigate and come back to me. Yip, nothing for weeks. So I'm in the process of buying a home, and to find out I have been reported to the Credit Bureau as a bad payer! This is effecting my bond application. Furious, I call to cancel this RCS account and ask for a settlement amount. R848.02 more then half of what the bag costs!!!! they send me a settlement letter along with the banking details, and guess what? I cant action the payment, message displayed is "beneficiary reference number could not be identified for this account holder" Now what do I do? Im not going in store to deal with the same issue. RCS worst company ever, just as bad as Mango Airlines!!!!!!