Woolworhts injust service

On Tuesday, 13 April 2021, I decided to do some shopping and the Woolworth store at the Waterfront, Cape Town After nearly a year, paying a monthly instalment, I was told by the floor manger at the Pay point, "sorry but you card have been block and we handed you over to our attorneys and to the Credit Bureau. This not was a shock but rather embarrassing too and I knew this was totally impossible - paid monthly money onto the Woolworths card, I should have had a CREDIT, but I was told to call the Woolworths Financial department, which I did and hours later received the letter (see below)

Dear Mr Botes RE: WOOLWORTHS STORE CARD *** We hereby confirm that the aforementioned account has been paid in full; and is reflecting a zero balance. We have informed the Credit Bureau to update your profile accordingly. If you have any further queries, please email *** Regards, Nathan Baker Head: Account Management Services

Wow great, suddenly after been handed over the to Credit Bureau and my account have been adjusted Please don't think I don't appreciate the problem resolved, but how did this happen, why was I never contacted before Woolworth just handed me over the Credit Bureau and basically caused my credit to be in question. ' I have send follow-up message requesting so answers to clarify and explain what happened AND to determine what happened to the credit I should have, but no responds

I need answers and hope You could help me to get some, because if this could happen to me, how many other clients have experience the same issue and not even aware they are handed over the a Credit Bureau