Telkom monthly contract overcharged

My contract was deducted extra R2500 in January 2026. Telkom claims I subscribed to an online music streaming service, which I've never. Telkom claims this happened on 14 & 15 December 2025. I remember I did a sim swap on the 14th in the morning, Telkom told me it was successful the next day on 15 December. I don't understand why a sim swap would take that long.

Anyway Telkom has what they call "spend limit" that guarantees maximum spend on your monthly bill and mine is R10. My big question is why would any purchase exceed my spend limit of R10 which Telkom guarantees as your maximum spend on your contract ? Additionally whenever I want to purchase or add anything on my account, Telkom always takes me through a credit check process to verify if I will be able to pay for the purchase. In this case none of that was done, they just willy-nilly added costs on my account without my approval. This violates National Credit Act by National Credit Regulator. This means Telkom would allow additional purchases on a person's contract to an amount a million rand without checking if you would be able to pay by month end. This is wrong !

I have raised this with Telkom and have logged a case. It's been 5 days now with no response. Case no ***8.