Beyond fed up

I have an African bank credit card that I have been paying via transfer for the last two years. Now I am getting a phone call from a debt collection company saying that African bank said I have not been paying since October and they this company are charging me a collection fee. I refuse to pay this fee and why has African bank not told me that after 2 years they are not picking up on my payments ? I can't even email them to find out what is going on and I am unable to get to an African bank. I wanted to settle my credit card this month but I refuse to pay those charges and how do I know its not been paid off already as you are not getting my payments. I have not received any statements from you only this nrb collection agency.