Over priced cheque account

<p>I opened a cheque account online with standard band and after using it for a few months I realized that the charges are way high. I called their call centre last year to close the account and they told me they do not close accounts over the phone.</p> <p>1, they can open accounts online but they can't close them online</p> <p>2, the account charges has now raised to a super amount of R2500 </p> <p>3, I need to know why m I being charged for something I haven't used in a year</p> <p>4, What are the charges for</p> <p>5, why have they taken me to credit bureaus</p> <p> </p> <p>I need them to please remove my name on the credit bureaus as I need to buy a car. Please clear my name with this non sence</p>