THREATENING BANK AND OPPRESSOR FOR THE POOR

I just received an email from FNB business saying I owe R 133.07 I guess it is for bank charges and I haven't used the account for almost 3 months as I went to close my business account at fnb branch horizon and I was told I cannot be closed and since I never used it and I don't need that account, now they threatening me with ITC listing for an account they don't want to close even tried closing on their app with no success reason the charges they told about do not exits when I opened an account I cannot afford using that bank with extremely high and false charges. Now why must I be threatened about ITC instead of closing that account. South Africa is not doing well , im also struggling as I was looking for a bank with low bank charges and they **** to me. How can I pay money I never used this is to make life difficult for me so I don't make business. Im not even getting jobs for my business. Is this fair what they doing to poor people and oppress them by means of legal threats and ITC ? My father in law also had *****ulent debit orders was advised they can't stop those debit orders so he never received his SASSA grant since January money comes in and gets deducted. Is this a far business practice . I even deleted their app meaning im not an fnb customer. People must be aware about fnb bank.