hasty to take our money

I have been struggling with Standard Bank for the pass 3 weeks now I have paid up my Loan account almost four weeks ago and they still deducting from my account. I have been into the branch several times to queries what is happening on this account surely it cant take a month to close a account in fact it should take about 24 hrs.' and what is due to the client should be paid back but instead I get apologies every time I phone them or go into the branch. To top it all I received a sms today stating that I'm in arrears and should make a payment immediately. I need a response from them with in the next 24 hrs. or I will take this matter further.