Absa is *********** and wants to ruin my reputation!!!

I am so furious right now. So I had been banking with absa for decades and this is the last I ever want anything to do with it. So I went to the branch last year and the consultant smoothed talked me into getting a cheque account and explained alot of things at that time but I remember I asked should I want to consider moving back to a savings account will I not experience any problems and they said no n that at anytime or period I can downgrade. Now since then this became a problem cos I went to different branches one in Ghandi Square n one in main street jhb CBb n randburg branch close to randburg square trying to close the account and they refused n at that time I had just resigned from my previous job n I pleaded with them to make it a savings account again n they told me I need to wait for months on end n to get a call from someone to notify me if absa has done ryt by me by either deactivating the account or making it a savings account. Next thing this morning I get a call saying that absa has handed my account over and I owe them 447.30 so I told the lady what happened and she told me she is just doing her job n it's advicable I pay the money and until I pay it off I'm going to have a record as a bad payer.. But now I need to understand how their account accumulated fees when it has not been activate or used by myself since December last year. Because the last time I used it was when was salary was paid into that account. I demand n request that my records be clear n not *****ed by absa. Wen it's employees refused to help me to move the account to savings account and most importantly close it off. I am unhappy with the way you dealt with this issue without me getting an actual call to come into the branch to hear my side of the story I will not let my life be ruined because of Absa. I had to listen to that lady and cooperate on the call and hear her out but I will not let this go until I have a clearance certificate. Why is absa tarnishing my reputation. After I had been banking with them since in primary school imagine..