us bank lied about closing my account mtn home, Arkansas

I recently returned from a deployment in baghdad when i went home to arkansas on leave. I joined usaa because hawaii doesnt have a us bank branch on the island. When I got home i went to the local branch walked in to the teller (keep in mind i have never closed a bank account) and told her that i needed to close my account. She stated ok i can take care of that for you. So i trusted her for the fact that she works there so she should know what needs to be done. She gave me in cash what my current balance was said everything was closed and that i was "all set". So i left thinking that my account was closed and i was good to go. WRONG come to find out 2 months later there were some papers that needed to be signed to actually close out your account. apparently three days after i was in there a friend of mine cashed a check that i wrote her about 6 months before i went and "closed" the account. Normally it should just decline it and send it back....WRONG again...the didnt tell me account never closed and that check made me in the negative. i thought the account was closed so i never checked the website. 2 months later i get a call saying i owe them like 85 bucks. I payed them off and then something else happened would you know it they still never closed the account and an old auto withdrawl came out. and so on and so forth....I just payed the collection agency 219 dollars for something that should have never happened