Bank that doesn't listen to their customers

Before I share my experience, if there was a zero star rating that what this bank needs. Standard bank is no longer the same, I have been with standard bank for more than 25 years , doing all my banking with them, the problem started when my pay date changed from month end to the 15th, I went to the bank to review some of the term and conditions, the bank refused to review our terms and conditions. Like yesterday it was the 25th and I was charged the service fee for ucount account, month end they will charge me the cheque account fee. Then few days later they will call me asking when am I going to pay my account because it will be over due, I hate these calls they're annoying because they are the ones who refused to review the terms and conditions, meaning they want their customers to have a bad credit record. In 2018 I app**** for the loan with standard bank, my application was rejected and they said it was because my account was over the limit for a number of months, I went to other financial institution they gave me a loan instantly, two years down the line I app**** for another loan with standard bank they rejected my application again, I was taking the second loan because the first loan that I got had a very high interest rate and my credit score was very good. I got the loan from other financial institution with 7.5% p.a lower then the first one. In 2022 May the dealer app**** for car finance on my behalf standard bank approved that application and gave me an interest rate of ~11.5% then I September I was involved in an accident and the car was written of. November 2022 I made an application for a car loan with standard bank they approved the loan and gave me an interest rate of 17.5% I tried to negotiate they brought it down to 17% . When I asked them why am I getting the high interest rate they said it was because my account was always over due. I did the application with another bank, they called me same time and offered me an interest rate of 11% , that's when I saw that standard bank is no longer the same bank . It is now useless .