Ineffiency and *****

I went into the standard bank branch march to stop all my debit orders pending closure of my account as I was no longer working. I assumed that my account was closed as O never received any sms or email notification regarding activity on my acc only to get called in July to say that my acc was in arrears. The call centre further goes to insist I have an overdraft facility with the bank which I never had. I went into the branch in Sept to enquire and they advised that they will call me bacl with feedback up until today no feedback and I get constantly harassed by the call centre regarding payment on the arrears. This is unaccpetable from an established institutions and furthermore is ***** as I do not have an overdraft facility and they wait for the arrears to accumulate over R5000 before they make contact with customers so that they can make money in ************ ways. Pathethic indeed!