*******ly Harassing Customers on a Debt Settled Four Years Ago

This whole debacle started on 04/10/2021 @12h20 when I got an SMS stating I owed money on a personal loan - thing is I don't have any active personal loans, so I called in and spoke to Kirsten at 12h59, where she advised me that I was owing R4314.51 on my RCL. Only problem is that I fully settled that loan in October 2017, Standard Bank never closed the account. She advised she would escalate the matter. The next day I was 'handed-over to CSS Solutions, so I called back again and spoke to Kananelo 05/10/2021 at 09h54, who has been most helpful the last couple weeks, he advised that Standard Bank in error did not close the account when I fully settled the account, but that I need not worry, as he has escalated the matter and it will be resolved in roughly 5 - 7 working days.

This brings me to 3 weeks later and exactly 17 working days later. I am been harassed not only SBSA but by several other 'Debt Collectors' Nation Wide, if it is not an SMS, its an email, if it is not an email, then it is on some days up to 7 calls... My last communication from Kananelo on Tuesday 26/10/2021 was that he still has not had feedback from the Admin department, who vets vendors and closes accounts. I have also personally emailed and tried to get this matter resolved to expedite the process, but with no resolve.

What I do not understand; I settled the account on 03/10/2017 and it took 4 years and 2 days for the bank to contact me, I further don't understand how Standard Bank allows a RCL to run up an account made up of only interest, fees and monthly charges for so long to only send communication after the fact.

As far as I know the National Credit Act says a debt becomes prescribed if no action is taken on it after 3 years, which means that if they do not actively pursue the debt, it needs to be written off, as it then become ******* to 'chase' a client.

I have written confirmation that the account was routed to be closed but in 17 working days nothing has happened. This is pathetic, and screams the state of service delivery and the accountability of the Bank to its loyal clients, especially when the Bank is at fault.

I have banked with Standard Bank for near on 16 years, and always applauded the bank for their great service, when we bought our home, we have multiple offers, and we chose to do our home loan with Standard Bank.

Standard Bank needs to finalize this matter forthwith which originated because they messed up, and now I am been hounded like a ******** for an account long ago paid and settled.