I cant wait to leave this bank

I have really had it up to here with Standard bank. All they know how to do is take my money but they time and time again fail to meet the standard that they always preach. I have had a problem with my card for the last 2 years now and each time I go to the branch to try and resolve this, I keep being told that the next time i try to transact online it will work but it has never worked ever i had this card issued. Another issue I have with Standard bank is that they keep debiting me R40.50 for some SBIB-LVLCLCHL ********** 83, which I dont even know what this is. I cancelled the feature but after some call centre agent called me to enquire why I cancelled, i informed her that i didnt need it and i refused to have it re-instated. But come month end i was amazed to have this debit go off again. I went back to the branch to ask why the i was debited when i specifically cancelled this, I was told that I need to call the call centre. WHY SHOULD I CALL THE CALL CENTRE WHEN I AM ALREADY IN THE BRANCH. The last problem I have is with the personal loan which I had app**** for online. Once I was approved I was informed that i would have the agreement emailed to me. Till this date i am being debited for a loan that i dont even know when its meant to be settled, how much interest Im paying. Every time I go to the branch its like Im wasting my time and to think all this time ive been banking with Standard bank but not once have I had a satisfactory service. Truth be told, I am just waiting to finish off paying my personal loan and I an going to swtich to another bank without thinking twice. I mean I too work for a bank and you best believe I know what is expected of such an organisation