Account cancellation and personal credit insurance

Some time in 2013 I attended at Standard Bank Green Stone branch to close a prestige cheque account due to poor service. The lady at the counter asked me to pay a R100. I asked why as my account was not in debit and she told me that was for closing the acc. I refused to pay the unexplained amount. I then asked to speak to her manager and she told me that her manager would tell me the same thing. I then told her to heed my instructions to close the account and I left. Since then I have not received any service from Standard Bank. Sometime in 2014 I received a call from a debt collector who asked me to pay Standard Bank because I owe Standard Bank. I explained to her that I do not owe Standard Bank. When I narrated what happened she said she understood and offered to revert to me. Since then I have phoned Standard Bank sometimes spending over an hour on the phone and sometimes offers are made by managers to revert to me and that never happens. This year alone I have spent hours on the phone and Standard Bank doesn't seem to care. I am being threatened with legal action which never comes. Standard Bank's lawyers are understanding and keep sending me back to Standard Bank. This is pat