Terrible experience with this Bank

First thing, I had a Vehicle finance with them, which was written off by my insurance on the 21st of March, the claim was authorised on the 24th of March and the insurance paid the balance on the same day(I was told it was gonna take 4 working days for everything to be finalised between institutions)on the same day the insurance paid, the account was removed from my profile, the insurance had paid the full balance, so I had to no shortfall, which made me believe that every was closed on the account. I confirmed with the insurance as well, the did release the funds.

To my surprise, on the 1st of April, Standard bank debited my account again for VAF, which took my account into to the negative balance, I had not deposited money to the cheque account because I wasn’t expecting the debit hence the account was closed and paid off by insurance and I don’t trust their security lately. I enquired with their banker about this debit, she **** that there is an automatic refund system and I was going to get my money after 21 days, the days passed and then today, I called and enquired about the refund and only to find that there’s no refund coming, the guy who was on call today said, I’m supposed to go a different department(insurance department and enquire there, something the previous banker didn’t mention) and when he transferred me over to that department, he just took me back to the main options, this is after 40+ minutes on being in the call with them, super unprofessional and time wasting, I tried another banker again and she told me that I need to email a different department instead, what’s an utter chaos and clown show, the matter hasn’t been resolved, as I need to go to their branches now, and the other thing, their private bankers are utterly useless and waste of money. Second thing, when they debited my account *******ly, it took my account balance to negative and then they immediately charged me R675 in honouring fees, first thing I don’t have an overdraft facility with them and when I enquired with that banker on the 1st she just said, they decided that I was a suitable customer to qualify for this, without consulting me and when I seek refund they say, they can’t help me I need to go to the branch. Unbelievable! So I wouldn’t recommend this bank, your money is never safe, I have had to replace my cards 5 times in the last 7 months because there’s always a security breach in my accounts, even though I only use virtual cards for online transactions. I have been with them since 2014, the end user experience for me has progressively gotten worse