Am about to close my accounts

currently my credit card is on an overdraft of 12000 then I phone them no one knows how to help me ,I even spoke to the managers.on the other hand the collections department is stalking me I get 3/4 different calls and then they advice me to fill out a dispute form.They receive the documents no one phones me or communicates with me I had to phone in myself.the 25th Fnb goes into my cheque acc and deducts 5100 to pay the credit card I then phoned to ask them to reverse the funds the account should be stopped until the matter is sorted, they tell me the refund department can try I should wait 3 to 5 working days.its now 5days they email me to tell me they will only pay me back once the matter is resolved.I had to make a loan to cover my other financial obligations as its January and I dont have a big budget<br> <br> <br> Lastly I transferred funds from my cheque to my credit card by mistake and I ask them to help reverse the transaction and the stupid and dumb employees transfer me to 10 different consultants still these people tell me that they can't refund me the 6400 that I just transferred until the credit card matter has been sorted out.