Washington Mutual Bank California JP Morgan Chase They sent a collection agency after me for $208.00 in overdraft fees which had already been paid. Internet

I was attempting to get lien of credit through Bellco when the employee helping me informed me of a smudge on my credit. The smudge was from a collection agency sent by Washing Mutual AKA Chase to collect $208.00 in overdraft fees from 5 years back when I lived in Modesto California. The problem was, though, that I paid the fees off in cash and then subsequently closed my account. If I had not paid the fees, why would I have been able to close my checking account with them? Either way, 5 years later and they're still after me for fees I already paid off.