Upgrade to a new account without my consent

Yesterday i go to the atm to withdraw money to pay my bills, the machine retains my card and instructs me to go to the nearest branch. when i call standard bank card division to stop my card, i was told that my card is retained because i am upgraded to a titanium card i must collect it at a certain branch. i didnt apply or consent to be upgraded and the upgrade comes at an extra charge pm and a BIG inconvenience. by the way this is not the first time this happens, last year i received a call to collect a card at randburg branch and i didnt apply for the card, i had to go in to the bank three times to make sure the account was cancelled and the card sent back. That is standbank for you!!!