Why you can’t pay anything you owe at the same time.
You will need to repay it over almost a year.
When they consent to allow you to repay your balance within an installment plan, create your payments on time and energy to avoid collection actions.
You can have a hard time shutting your account at one bank after which attempting to start a free account at a unique one. Some banking institutions will likely not start a new account if your debt another bank. In such a circumstance, contact DFI, or whatever agency that is regulatory jurisdiction on the bank that refused you solution.