*******ly loading arrears

Standard bank load arrears status against my account. I have not received any notice of it, I received a call from standard bank yesterday and all the lady said "Hello I am phoning from Standard Bank" Apparently the amount of arrears is 25 rand. If this useless bank loaded an arrears and negatively impacted my credit status I will take legal action and lodge a complaint with the banking ombud for 2 reasons 1. I was not duly informed. The bank is useless so I dont ever use my credit card. So if I used it must have been by accident. Yet no phone call to say money is owing or any alert, just arrears 2. I am not able to transfer money into this account so it is not possibly for me to pay money. How the hell to you load somebody in arrears and NOT allow them to make payments???? I need this rectified ASAP. I was planning on buying a second house soon and if this useless bank affected me negatively on my credit profile by their ******* actions I will lodge complaints with the NCR, Banking Ombud and will sue for Punitive Damages. And this over 25 rand and blocking me from making payments. This is in breach of credit consumer act! Useless!