Closed account 'opening' themself

During February 2016 I received a letter in the mail indicating that my credit card will be handed over for collection due to non-payment.<br> <br> This came as a huge shock as the account were closed during January 2015.<br> <br> I immediately contacted the bank just to be notified that my account opened itself as result of system upgrades. The consultant indicated that there was no need to worry as this matter were to be corrected.<br> <br> During February I app**** for finance only to be notified that my finance was declined due to a bad credit record.<br> <br> Again this came as a bigger shock!<br> <br> I bought my credit report without delay only to find that my closed account was revoked by the bank after almost a year of being closed!<br> <br> Ever since I have been in contact with ALL different divisions within Standard Bank without the matter being corrected.<br> <br> This only again confirmed why I left the most *********** bank in SA.<br>