FINCHOICE ACCOUNT HAS BEEN SETTLED LONG TIME AGO

It's been 4 months since my Finchoice account has been settled and finchoice confirmed that the request was sent to XDS to update and close my account but now I just found out from the bank that my homeloan application was declined because of arrears on Finchoice. Why are you guys ruining our lives like this? Now you want me to wait another 21 days for this dispute to be resolved. This is absolutely nonsense. You guys are selfish