Woolworths failed Me

Hi I took a loan with Woolworths last year and been paying with debit orders ,no payment missed Last month July 23 it bounced with no enough money on my account,I paid via EFT and forwarded the proof of payment to their financial department and with calls and emails that no payment was received from me I was told that I my reference was short with one number

This month I also paid and copy and pasted the reference directly from my mails account statement And forward the proof of payment again to the accounts department today I received a mail saying Am owing 2months I was shocked because no calls where directly to me in asking what’s happening or any clarification so I can send again proof that am not owing Am very disappointed that now am being handed over to the credit bureau whilst I don’t owe them anything at this point I do not know if their account department is lazy to allocate my payments or what am honestly not happy about this at all!