Closure Letter

Hi <br> Hi <br> <br> on the 03/11 contacted FNB credit card division for a settlement amount, which was given to me. i immediately made payment and asked for a closure letter to indicate that my account has been closed, i was told that the closing department will forward me this letter within 21 days, however it has already been past 21 days and on my follow up call they seem to have no urgency in issuing me this letter.i further received a statement with a balance reflecting. i immediately contacted FNB and was told that until the account is closed they will still debit me the outstanding balance then once closed i will be refunded, this is totally ridiculous. as it is not my fault that they did not close my account apon full payment being made and my request for the account to be closed. this is totally ridiculous, please help as i am tired of this terrible service