Poor service

I settled a loan account with standard bank and asked them to close it in October. November i was debited, i called them and they said they have closed it. But it is still active. I called them today but i was not helped because they are saying the system is down there is nothing they can do. They have been charging me for service fee for 2 months now, this will be the 3rd month. They debit and reverse the money after 2 days but they don't reverse the money for service fee. I don't know what else to do. I do have all the reference numbers that i get every time i call them.