Worst bank ever!!

I wanted to close my credit card and went into store with my 3 month old baby only to be told to call the call Centre. When I called the call center I was told to go into the bank. This entire process has been a disaster. I eventually spoke to Shanaaz, a team leader on 28 Feb 2020 who said the account would be closed and an amount of R322 would be refunded to me (I have written confirmation of this.) she also said she would call me first thing on Monday and then email me closure confirmation. It's almost 2 weeks and I've heard nothing. I call the contact Centre today and am told the account is closed but the refund has been disputed as fees (probably due to the delay in closure on Nedbanks side) and there won't be a refund. This is definitely the straw that broke the camels backs. I will NEVER do business with Nedbank again. I will NOT recommend your business to anyone. I WILL be taking formal action if this is not resolved. I've had it.