Worst bank!!

Last week I made the decision to switch from. FNB to Capitec because my bank charges ran up to +-R500 a month. Everything was smooth sailing on Capitec's side. So I go into my branch Middelburg Mall, Mpumalanga to pay all outstanding debts that I owed. Firstly I'm told you can not pay any debts at the branch everything need to be EFT (where they once again change you R9 bank changes). So none of my accounts can be closed as yet seeing as I was waiting for the money to reflect.

Alright so the next I heaf into the bank and ask if I can close my bank accounts as all my debts have nou been paid via EFT. I sit in the queue for about 40min when I'm told me Cheque account has one payment that has not totally gone through yet.but that they will keep an eye on the account and close it when the amount goes through, but there will be bank charges for the days my account stays open. This was Wednesday, Friday afternoon I saw all accounts showing R0, meaning my time has FINALLY come to an end with FNB.

Today (Monday) I get a call that my account is now ready to be closed but that I need to come into the branch (after confirming that it would not necessary to go into the branch) I then ask the lady why, seeing as I was told it wouldn't be necessary. She said I have to come and pay my "hundred and something rand" (her words exactly) bank charges for the 4days my account was open? Do I have a right to refuse payment, I mean this is ridiculous!!!