Nedbank Never makes things happen

I am so upset and irate with services received from Nedbank! I've made an online application for a credit card in May 2019. I never received any terms and conditions nor have a I received confirmation of card collection. I don't know how they work but I'm sure I would have needed to sign some sort of document or activated the card at the bank! I never collected the card I spoke to multiple people before today and all they can advise is that I am liable for the payments of R120.00. I have explained that I called in multiple times but they only pick up a disconnected call. The company I work for ensures that the customer provides an ID number and states their case so that should the line drop we are to contact the customer again to ensure the best customer services. This is the least Nedbank could have done but all they can advise is that a call was disconnect I am disappointed and would never recommend anyone to Nedbank after this horrific experience!

Please help me understand how they have notes from May via an email to advise that I have requested the account closure but have never ever done a follow up to find out if my query was resolved and I constantly had to call in and be kept on hold for minutes after minutes.

WHERE IS THE CUSTOMER SERVICES?????