Settlement letter

I have paid my account up almost two years ago and I needed to apply for credit with the bank and because the accounts are poorly handled by MTN I am blocked from getting this credit until I receive my settlement letter. The only reason why I am complaining here is because MTN are giving me a bad credit record because your accounts department quiet obviously don't know what they are doing, why don't you rather hire qualified people instead of primary school students to handle your accounts. I await your immediate action.