Standard bank service and greed!

I have a revolving credit facility with them. I settled the loan in June 2020, but didn't close the account, " just in case".

Issue one - they continue to charge a credit insurance fee even though I didn't owe anything. (More like mafia-style protection fee).

Issue two - after two months of not owing anything a deduction is made from my cheque account. I mean ***?

Issue three - I send an email requesting that the account be closed. The ( trained?) Consultant, Anna Khoza, requests my card number and expiry date of card. It's a loan account, What card??? Also asked for ID number and what other products I have. I answer, but still the robot-like (trained?) Consultant patiently awaits my response.

I am patiently awaiting a competent human call me.