Disappointed by the lack of ethics and professionalism

My husband opened an account via my referral code more than a month ago (October 18th) and during the application process you asked for proof of identification and he uploaded his Drivers Licence and the application went through successfully. You prompted me to pay an activation fee and I immediately transferred R100. However, to date, no card has been delivered. Your system and process is FLAWED! How do you accept a certain form of identification during the application process but then after taking my money, you want a different proof of identification or we cannot get a card and use the money we've credited to the card? You also accepted the debit order request and charged me a debit order lodge fee and have been debiting my account for the past two months. Yet on WhatsApp you're currently arguing with my husband that you're not debiting my account for his Oyi Medical Savings card? Why are your lying? What's with the ********* correspondence? A drivers licence is a VALID proof of identity as per the Department of Home Affairs, yet you feel it's not.

Now you're telling us we're being insulting and wanting to close the account. You're insulting my intelligence and trust in your business. I myself have an Oyi Medical Savings account and card that I love and regularly use. I also always recommend your service to my friends, colleagues and family but this is just ridiculous!

With that being said, I'd like a full refund of the money I've credited to the account and any charges incurred.