Discovery avaoiding closure of account using dirty tricks

I requested for a closure/cancellation of my account. Discovery gave me the settlement balance. I paid the balance and they requested that I fill in a closure form of which I did on 14/08/2018. However I did not fill in my banking details as I didn't expect a refund. 2 days later, the account is not closed and when I called I was told its because they owe me as I paid more than I should for settlement (Mind you, its them that gave me a settlement figure). So they requested that I fill in the banking details so they can refund me, so sweet shame. I sent them the completed form with banking details. To my surprised they did not close the account. The balance that was due to me is suddenly R25, as they charged me service fees. When I ask them why the account is still not closed, they told me its because I haven't sent them the closure form with banking details for refund. LOL, lies, lies lies!!! Discovery acknowledged receipt of my email on 16 August 2018, but somehow they didn't receive the email. Discovery are ******!!! I don't know if they will ever close the account. Today, I resent them the email they claim they didn't receive. With such bad service, I am reviewing my medical aid with them and life insurance. I already cancelled my vehicle and household insurance with them but still they continue with bad service. Why should it take 2-7 days to close an account??? and yet still don't keep to that ridiculous timeline. its been a month since I requested the closure of the account and still waiting.