"Service Fees" for no service

I am extremely disappointed with the service received from Standard Bank. I recently requested for a settlement amount on my credit card. I made the payment, waited a few days and then called them to confirm that the funds have been received. Happy days - or it was until I received a statement from them showing that I owe the monthly service fee. After speaking to them again on the phone today, I was informed that I should have requested for the account to be closed in order to avoid these fees. Not once during my several interactions with them was I informed of this, should I have known I would obviously have requested this account be closed.