Pathetic Service!!!!

So on the 5th of August 2017 I went into branch to close all my accounts with FNB due to job los. 5 years later I receive emails regarding an open account. At first I email the relevant department who said they can't assist I need to go into branch. I then go into branch just to be told I can't close the account because I don't have a card (why was this account not closed 5 years ago)and that they can close account over email 1st mess around. After futher investigation I am told that I owe money on this account. Consultant over email asked me for correspondence but as explained I lost my job and EVERYTHING so I went into branch. Why would I leave accounts open when I know I can't keep them up to date??? The consultant that assisted me at the Primrose Branch told me to dispute the so called "owed amount" as he himself saw that it doesn't make sense and that

Then I'm told it takes 48 hours for money to reflect we are sitting now on 48 hours OVER DUE with lame excuses "we waiting for closure letter" and being held responsible for money owed?

Pathetic and over rated bank firm, that is what FNB is and that is what FNB "values" are. Can someone please assist with this matter URGENTLY so that I can completely cut ties as it should've been done 5 YEARS ago!!!! And if your plan is to contact me and say "we are looking into it and give us 48 hours" don't even bother. I need solutions not more problems and banking institution that looks for reason to shift blame on the consumer.