Duplicate accounts and being charged for a DEBIT CARD that hasn't been used including overdraft facility fee when I HAD NO overdraft.

I got a standard bank account via the the website about a year ago using my phone. Then used it for a bit before my phone was ******, mind you I never had the card I was only using the app and apple pay. I specifically chose a debit card not a credit card, I had no overdraft facility whatsoever. After my phone was ****** I lost access to my standard bank account (app) so I decided to just move on. Only to be shocked to discover that not only was the account still active but I was owing money on a debit card???? To make matters worse, I wasn't owing on just 1 account but q second account I HAVE NEVER EVEN SEEN OR USED IN MY LIFE. I only have 1 account, but I receive 2 statements??? And on that account I'm also owing??? How is that possible?? I'm sure if you checked you would see that account was never used because I've never ever ever seen that account in my life. I would like to resolve this as soon as possible by first removing the duplicate account and closing it as I have no idea why I have 2 accounts when I only have one. Then explaining to me why I have an overdraft facility fee (no limit) on a debit card that has never had an overdraft facility, I never ever app**** for one as well.

Mind you, on the duplicate account It says I owe R4000 an account I don't even know!!! And the account I do know it says I owe R4500+ on an account that has no overdraft, that is purely a debit card as it advertised on the site when I app**** for It. I need help with this because honestly this is the worst experience EVER! WHAT KIND OF BANK DOESNT CLOSE A DORMANT DEBIT ACCOUNT but instead adds a overdraft facility fee and keeps it open to bleed unsuspecting people dry.