very disappointd

I once used standard bank from 2005 and 2016 i was called at Standard bank to change my account from student account to adult account, little did i know that the consultant who was helping me changed my account from student saving account to Cheque account. So January 2017 my R700.00 from my account was gone and i called them asking were is my money they said every debit order that bounces it charged a certain amount. I asked the consultant that i was talking to, to close my bank because was unaware that they changed my savings account to cheque account and i can not afford chaque account charges. They did not close it till today 2022 they have been calling me saying i owe charges and i asked them charges for what wearers i said 2017 they should close the bank, and according to my understanding when you not using a bank for 3 months they suppose to close it, till now its still open yet i asked them nicely to close the flippen bank. Please assist because i will not pay the money that i did not borrow and i asked them to close the bank long time ago.