Negatively Affected Credit Rating

I was a customer of nedbank until i decided to switch banks. I went into the rosebank branch and cancelled all my accounts and my cards were destroyed.<br> A few months later , I received an sms from Nedbank , indicating that my credit card needs to be settled immediately.<br> I was shocked and I called nedbank , who indicated that my credit card account was not closed.<br> After telling them that I had settled and closed the account and my card was destroyed , they reversed the amount and apologized.<br> Today I requested my credit report , and I see that my credit rating was adversely affected by those months that I was listed as in arrears.<br> Why must I suffer because of someones inability to do their job and cancel accounts when they should ?<br> I am glad that I have left nedbank , but frustrated at this situation!<br>