Pathetic service once again!!!

I have been getting calls stating my account is in arrears, when i queried it call centre told me my payment was reversed, went to my bank they said there is no reversal, whent to std bank Meyersdal and Tebelo told me she can see the payment was not reversed and we should call credit. She called them and i spoke to Mpho Ditsolre, what a rude guy, he told me i better pay cause it will affect my credit record, he said its because i have been paying R20 short monthly, but it was the same story december and i paid more than double my installment then. There was no calls jan and feb, now in march same story. He said i shouldnt be at a branch cause they dont have the same systems and kindof that they dont know what they doing, wow bad mouth their own team members? So i just need to keep paying without an explanation, and when i query it they threaten me with the credit bureau! Pathetic service!!!! I have a right to know where that amount comes from and what im paying for!!!