********* and clearly not ready to offer banking services

I discovered the day after I signed up for a Discovery account that they are not able to offer me a credit card and transactional account, even though as I signed up the information on their website indicated this was possible. I immediately cancelled my account (16 August), I was told it would take 2 to 3 days. Nothing happened, I called back three days later, then a week later and again last Monday. My account is still open, I'm being charged a ridiculous monthly fee of R240 and I'm getting reminders to pay my banking fees. Additionally all my Vitality cashbacks are being routed to this Discovery Bank account without my permission. Utterly dishonest and ********* organisation. I don't know what to do now, I spend a good hour holding on the phone for someone who can't help me and they don't respond to emails at all.