Really battling with doing payments via web / phone app and when contacting Customer service - its terrible

<p>3 things have happened in past 3 days:</p> <p><br />I transferred money from my cheque account to my credit card via my phone app. The app displays random order of accounts to pay from. ie one day it defaults to your cheque account. then next its your home loan.. etc. On review of information, the app had the same color for credit card and home loan. After transferring the amount, I realised that the credit card amount didnt change, but the home loan did. The Home loan is currently being closed as it being transferred in a sale. After going to Standard bank branch 10 minutes later in bellville and having to phone the Home loan department, I was advised that the Standard Bank System was down. I would only be able to complete the refund process via telephone on monday. I phoned on monday and was then told there are no system issues . After 30 mintues of explainging the issue and the consultant determining the process, the refund could not be resolved via phone only via an email... The home loan consultant (Rafee Suliman) had a very bad accent and I was unable to understand her most of the time. On taking down the email address when I explained that I could not understand her, she took offence and claimed that I was difficult. Then when asking for a reference number - the system was down...<br /><br />Later on monday I added a new beneficiary. after going through the OTP checks, I pushed a payment through to beneficiary. an Error came up saying that there was a technical issue. an SMS came through saying payment has gone through. My account reflects the amount being deducted...<br /><br />I also found out that Standard bank has added extra fees without telling me onto my credit card? My credit card had NO monthly or annual fees as part of a package that I had signed up for. Now Standard Bank has added R35 monthly fee ONTO my credit card- ie it now attracts interest...</p> <p> </p> <p>PLease sort the above out.</p>