Unfair treatment

I am so angry I cant even speak. I went into the Mall at Carnival branch probably about a year and half ago, and closed my accounts as I switch over to FNB. I do remember the branch was very busy that day and I had my baby with me, the lady assisted me in a office at the very back of the branch. I left the branch thinking all has been done and never worried about it again. On a previous occasion I went into Sunward Park branch and closed all my investments. I only left my cheque account as I was in the process of switching. I have been operating on my FNB account Fully since September 2019.

Low and behold I received a very disturbing email form a Lawyer yesterday saying the bank has handed me over. Funny thing is I closed my account? I done even have a card or access to internet banking? Why has the bank not contacted me before this and informed me? In the past 2 years I have not had as much as 1 phone call from ANYONE at Standard Bank about this so called account or advising me that I owe anything. This is unacceptable and unfair.

What happened to the Code of Banking Practice. What happened to the customers right to be treaded fairly and with Transparency? Why has nobody from the bank contacted me? Now I have been handed over and my good credit record has been tarnish by somebody not doing their work. If I had a call from you this could have been solved month ago. I am not accepting this. My cell phone number has been the same for the past 10 years. When I resigned form the bank in December 2018 I settled all my debt with you and I did not even have and overdraft or credit card.

You will stop this action immediately and rectify my credit record and then I want to know why the account was not closed by the branch when I was there, Why has nobody bothered to call me and inform me of the account, why have I not even received a letter form you to tell me that the account is open and incurring whatever. Why has credit recovery not called me in all this time? Why have you not stopped the account and allowed it to incur whatever after the account has reached it dormancy and the account starter showing up as unpaid?

This is utter incompetence and I will not be harassed by layers because of your incompetence.