********* Behaviour from Discovery Bank when requesting account closure

If there was an option for a rating below zero then that's what Discovery Bank deserves. I am trying to close my banking suite with them but they are worse than Telkom in this regard. The call centre agents can't even answer me on how banking fees are charged? Do I pay at the start of the month for the previous month or for the coming month. I asked this because they wanted to charge me a full month's fee when the account was expected to be closed 8 days after I put in the request on the 30th January. On the 31st January, I received a notice of settlement costs that I needed to pay in order to have the account closed. I refuse to pay anything blindly and asked for a breakdown of costs. By the 2nd February, I received another email stating that if I didn't pay the fees immediately then the case would be closed and the account would remain open. I then phoned the bank asking for an explanation of the costs and why it was R400+ when there was a zero balance and fees were meant to be pro rata. The other problem was, where do I pay this settlement value to? The credit account I had was no longer visible on the app. There was no clear instruction or communication on where or how this should be paid? Do I pay it straight to the CEO? The consultant said she would have to investigate and would get back to me. On Monday 5 February, I get a mail from another consultant, replying to my initial mail, with the breakdown of costs. R200 for interest and R200 for fees, but because I didn't pay this on the 2nd, my account remains open. I am livid at this stage. How can you charge me interest on a zero balance. I open my Discovery Bank App and lo and behold, there is my credit card account. It's back and visible. But guess what? I am being charged the R200 for banking fees but no interest amount whatsoever. How does this happen Discovery Bank? How do you charge me interest if I want to close the account but if the account remains open then there is no interest accrued? This is completely ********* and goes against the banking code of TCF.