Settlement letter and paid up letter

Imagine trying to pay up my dept but it's so difficult to get a settlement letter. I have 2accounts that I was behind with now I want to settlement but fnb is taking me from pillar to post. I had settled 1account wit Lwm dept collectors now since I have been waiting for paid up letter . Credit card I'm waiting for settlement letter yeeeer FNB I'd so unprofessional and no customer service at all.