Downgrade unbeknown

<p>My cheque account got downgraded and the first I hear about it is from a call centre wanting to upgrade me-it will only mean I have to get a new card delived at a charge of R150.00,and have to spend 2 hours of my day trying to figure out why I was downgraded in the first place,which 7 different departments could not know why-and kept saying its computor generated? It is totaly unacceptable to change someones account without their knowlege and it constitutes theft because a downgrade means more charges for card swipes unknowingly and more money for FNB-thats theft</p>