Unexplained charges

I have a gold cheque account with ABSA and to my detriment this has become an expensive adventure. When I phone said ABSA to request why and what certain charges are for I have to hold for 30 minutes to an hour which in essence *****s my money once again. This package gave me the idea that I would have free swipes and internet banking transactions on a monthly payment of R 98.00. But I get charged additional admin, internet banking and other fees when month end comes. This is surely not acceptable, and when I ask what the charges are for I get transferred to another department and am kept on hold for another ridiculous amount of time. Please do not suggest I visit a branch as with the ridiculous banking hours you keep that not possible for me either.