Overdraft ?!

I’m not sure what else to do.

In March whilst I was still in Cape Town I closed my Absa account because a month prior because I had been charged for a negative balance of which was not brought to my attention from opening account. As an addition to that, there had been an overdraft of I think R89 which I had to settle before initially closing the account. I settled that amount and I went to Tokai Centre to the Absa branch there to close the account cause I was told you cannot close the account whilst there was an overdraft of which I understood very well.

Months later, I’m back in Durban and I’m being called by Absa and Vericred to say that my account has an outstanding balance of R195. How when I’ve closed it.

The more annoying thing is I’m being asked if there’s a letter confirming account closure and I honestly tell them there isn’t because the lady at the branch told me verbally that the account had been closed, I stood up, packed my things and exited the branch.

I’m 24 and this thing is reflecting badly on my credit score ! And I’m honestly not going to settle this amount because that means I’m agreeing to the fact that I’m at fault of which I’m not.