FNB's mistake blocking me from getting a study loan

I had a credit card with FNB that was paid up and closed in October 2023. It was also noted by the credit unions that it was closed back then.

To my surprise in Jan of 2025 when being blocked by all institutions for a study loan i found out that FNB noted in December of 2024 that i owe them R101. Yes , just a hundred bucks. To top that off , they noted that this amount has been overdue for over 150 days.

When trying to sort this out with their call centre , being sent to multiple call centres , i finally get told to just send a email and should hope to get a email back in 5 to 7 working days with a paid up letter , which i then most probably need to submit to the credit unions myself.

I cannot study because FNB blocks me because of R101.

I cant believe that big institutions make mistakes and don't own up to it. You just have to abide by their turnaround times , as if it is your fault