charging clients late payment fees

Despite settling by bluebean credit card a few months ago I received a statement only dated last month in the post saying that I owe bluebean some money and because of late payment I have been charged with a late penalty fee . So I called bluebean and spoke to the customer service consultant and he in turn says that this account now lies with standard Bank collections and transferred my call to them. I spoke to a consultant by the name of bongiwe hlongwane and despite explaining to her that this account was settled and that this was the first statement I received in a few months. So why was I not sent an sms or email or even a courtesy call like other banks do saying that there is a few rands outstanding on your account and can you please settle this amount in order to maintain a good credit rating. She insisted that that it was not Standard Bank or bluebean duty to remind the customers that there is an outstanding amount and that since it is at collections my credit rating will be affected despite me having settled my credit card. I tried to speak to her supervisor but was told she is in a meeting and will call me.I think that this is bad service from standard Bank and bluebean