Discoverybank is cheating customers

I have been requested to admin fees of up to R750 for a discovery account I never authorised nor requested. I had a visa card when I was working and I requested for it to be cancelled which i was asked to payR261. Now after almost 2 years of unemployment I owe discovery bank admin fees for a card I dont have anymore and was also cancelled before discovery bank was established. I was advised that all charges will be reversed after explaining my story on the first call in August, and now I am told that my account was active and i need to pay. I didnt request this account, I cancelled the card I had after getting retrenched and even the cheque account that was linked to this card was closed. I dont understand what I should be paying for and also I dont have such an amount of money lying around as I am still unemployed. I want to find out how come these charges have been accumulating for so long without any correspondence from Discovery, literally over a year and suddenly I am in debt with Discoverybank. This is unfair, ********** and very unprofessional of such a new product to be *****ed with . I dont owe Discovery anything, they need to do their job correctly and stop shifting accountability. The consultant keeps asking me for my correspondence which they should also have as service provider, but they dont.