*********** services

I have cancelled my credit card in April already but every month I'm being charged service fee...I paid the settlement amount the retention dept called me I confirmed my closing of the card and they promised to close it. Last week I was owing on the same card I called they promised to escalate the matter and someone will call me. Few days later a credit went into the account to settle the amount so i assumed they are busy closing the account. Today I get an SMS to say I owe the R400 I don't understand what's so difficult with closing a paid up account.