SBI Credit Card COLLECTED MONEY AS SETTLEMENT BY COLLECTION AGENT

DEAR SIR.,

almost 20 years back,

Collection Agents called me, visited my house and tortured to the most. Remember in those days there was no mobile.

Then at Annanagar one Collection Agent collected money and said this is settlement -at that time I was not knowing what is settlement means. In fact, the settlement word itself I came to know that day only. He collected CASH and then there were no calls, no visits and I thought it is over.

After 20 years,-

someone is calling saying they are calling from SBI and
says that account is not closed.

1. Why they did not inform me earlier about this?
2. What happened to the money I paid?

How to trace the collection agent who collected money?
and what is the way out for this?
Can you please guide me.

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