My wells fargo account closed with unpaid balance

Here is some info:

I had a personal account with Wells Fargo. I was a minor at the time, in highschool. A parent of mine used my debit card, with my consent, to pay for a service. They claimed the service was a scam, filed a claim and gave me credit, and I used a bit of money, never touched the card, and I believe they investigated and took the credit back.

It was left at negative 15 dollars. And I don't remember if it was closed for inactivity or unpaid balance. However, no monthly fees, thankfully.

I had another primary bank, which is where I kept most my money so I neglected that account as a teen just believe it was kept at 0-5 dollar balance.

I haven't paid, it's been a year, and I was wondering if I should do a credit report first or just straight up call Wells Fargo.