Arrears after card settlement

<p>I have a credit card with African bank which I had a problem with just few months ago as it was *****ed and seemed like someone was using it yet I had not lost my card,that was solved and I had my card replaced .then a consultant at the branch advices me to pay up the account and close it after ***** had happened . I then used the card n paid it up through debit which was even over paid,then I called in the customer services on ********** 000 ,and the consultant told me I can use my card or close it and the overdue money will be refunded,I then asked her to close the account n she told me it will be closed over a week's time.then on the 14th October I received refund on my bank account and that month it did not debit n I was sure the card was closed. now on the 28th November I received a call from a consultant telling me that my account is in arrears and has not been paid.now on the system it doesn't show that the card was closed and was fully paid but they do see the refund that was made.now they telling me that I need to pay the money which I do not owe n now my name has a bad credit record over that matter that African bank cannot solve.please help me</p>