********** overdraft facility

I had a gold cheque account with Standard Bank just a ordinary cheque account no credit card or overdraft as i did not qualify , so due to service issues i decided to change to a different bank so i contact Standard Bank in 2019 to close the account, it is now October 2020 i receive a call from Strauss Daly attorneys to say that there are outstanding fees and charges on my account , so i was quite confused because i know the account was closed , only to contact Standard Bank and find out it was never closed and has been handed over so i queried why was the account allowed to remain active if no funds where been deposited i couldnt get a answer , i then logged onto internet banking and discovered that a overdraft facility had been loaded on the account and the bank charges had been transferred into that. This is ********** and i will be reporting this to the banking ombud as this is against TCF also.