unfair bank charges

Good day<br> <br> Would like to complain about Standard bank Hayfields branch, I settled a loan account in April 2015 and there after instructed the consultant to close the account as I was no longer of it only to find out a year later that the account was never closed and I owe R961 in bank charges in this account and the payment I made was R202.96 short surprisingly the settlement amount I paid was given out by the bank.<br> <br> Bank manager says she is not authorised to reverse accounts I have to settle this account or they will take legal action against me.<br> <br> How can I be accountable for an account I settled and requested banks consultant to close because as I know the account is paid off.