Unused current account card not received accumulated bank chargers for 7 years

I received a sms today stating I need to correct my current account and a letter of demand has been sent. Firstly I do not have a current account and only had a credit card which has been settled. I then contacted the number on the sms and the consultant tells me the account has been opened in 2011 but was not in used and accumulated bank chargers. I've never received a current account card, hence the reason why the card was probably not in used. Secondly how is it possible for Nedbank to charge fees to a card they assume I received. I kindly request Nedbank to investigate the matter and assist with a solution to write off this chargers. I've been your client for many years from personal loan to credit cards and never ever had a problem until today.