Getting Charged Overdraft fees when I don't have Overdraft!

If I could give 0 stars, I would. I don't have any kind of overdraft activated on my account, I don't even use it anymore. Once in a while I log in and make sure it has not gone into a negative balance, and EVERY SINGLE MONTH, Standard Bank charges me fees for Overdraft services, honoring fees and all kinds of nonsense I did not sign up for. I called in to get clarification or the account closed and was told I have to go to a branch or the account will go into a negative even more. No explanation about why I am being charged for a service I do not have? I am not spending the average 5 hours it takes to get assistance at a branch. So I guess the account will go into a negative even more. It is shocking how financial institutions can just do and charge as they please, without consumer knowledge, and there is nothing we can do about it.