Card Charges for services not rendered.

I am no longer banking with Standard Bank - and now I am told by Standard Bank Westgate Mall to pay R2224.00. First of all Why do I have to go to the branch to cancel or stop banking with you? Why I am not allowed to cancel telephonically . Why is it easy to applying online or over the phone for the card, but cannot cancel online or over the phone? Why am I not allowed to close this bank account? Why are there charges accumulating if I reported at the branch that I am no longer banking with Standard Bank. What am I paying for? Because you did not render any service to me? Why am I being charged for NOT using your card? Does that even make sense ? For me to pay - you need to render a service? there was no money into that account so what am I paying for? Please cancel that card immediately. The only money I will pay is R140 when trying to cancel my card online only to find out you have quickly replace that card . You should make your customers aware of the consequences of NOT using their card on that very same day when applying for the card.