Just no

I am very shocked at the customer service I received from TFG. I settled this account in March and still get reminders to pay installments which means it was not handled at all. The branch in Cape Town says one thing but in Johannesburg say another thing. I paid the full amount and more on purpose to close my account and they informed me they have retracted R7.61 in service fees which would have been covered by the money I paid them! Closing my account online was 'handled' yet they said I must pay in installment fee after I 'closed' my account. It does not make sense. Last month I went into a branch to see if it was closed and spent 1 hour with someone in-store to get on the phone with someone who said I called about not closing my account?! I never call. Only email. Needless to say, I have an open account with 0.00 to purchase. To this day, it is not resolved and I am due to pay another installment but I refuse! It was tumultuous to keep TFG happy and a nightmare to close the account. All in good faith that the credit facility informed me that my account is not closed! I don't want to mess uo my credit score but I do not want this account so just deactivate it and fix what is messed up. I also don't like the attitudes of customer service. Also, it's a known fact that POPI act doesn't exist because shortly after opening, I was called by 'Suspected Spam' for funeral and life insurance. My advise is to stay far away from TFG unless you want to be irritated for life and never know why you are getting messages about funeral and life cover while they penalized you for being South African.