Unhappy customer

I had a cheque account I opened a few years ago and had it closed 3 or 2 years ago to my surprise when I opened another account with fnb I found out the 2 accounts I had are still active and has been accumulating charges for the past 3 or 3 years, when I went to the branch the lady was not very friendly she kept on answering her phone while busy assisting me and told me there's nothing she can do, I have to pay or I will be hbded over, she called another lady and told her my accounts where on stage 5 when I asked her what is stage 5 she said you wouldn't understand which I found that ot be very offensive as she was taking about my account, she could have Atleast tried to explain to me what it meant.