Discovery Bank want to charge clients for no services the delivered!

I closed my Discovey Bank account in Circa May 2025. Everything on the account was settled my my closure was final. I told them the credit card was destroyed. I never used any Discovery Bank services since May 2025. Now, in March 2026 they want to report me to MBD inc Debt collectors. I have never received accounts or records of services they rendered since I closed the account. However they chose to continue charging my Closed account.