DESPICABLE SERVICE!!!

I just got off the phone with a rude 'FNB Premier Banker', Zandile, who just put me on hold for over 10 minutes and hanged up on me. My cheque account was recently in excess due to an Outsurance Vehicle Cover which I did not authorise because I do not have a vehicle and I will never allow a debit order to go off on any day other than the 15th of the month. I was charged an amount of R110.00 for a failed debit order of R839 and I had to take out a payday loan because I did not expect these expenses. This morning FNB charged me R220.00 apparently, for two other failed transactions which I do not understand because at the time when I made a purchase at Checkers and used Taxify, there were funds in my account that were reserved and Zandile tells me it's a Checkers and Taxify problem and really how do you justify charging me R220.00 for R50.00 and R130.00 transactions? Anyway, I'm done with FNB and would just like my cheque account downgraded to a normal transmission account and PLEASE I have been asking FNB for a paid-up letter for my FNB credit card which was settled and closed in October 2017 but this account still comes up as active debt on some credit bureaus .