Extremely Disappointing Service

Firstly, I have an interest amount which was debited from my credit card when all amounts were paid during the interest free period. After numerous times of calling in and being cut off I eventually got the issue escalated with a ref number. Well, I am still waiting 2 weeks later for FNB to revert. Furthermore, my new credit card was cancelled without any notice to me whatsoever. I had the luck of finding out via a card transaction being declined twice. Upon calling in, I was told that my card was cancelled due to early ***** protection. Low and behold the call gets cut again. I then go into the branch to sort it out to be told that I can only do so via the online chat service. Well well that is a struggle in itself because you never get a proper and conclusive response from the agents and then the chat gets closed without resolution. Not to mention the amount of time it takes to get through one of those chats. I was however told via the chat that my card was not delivered and that's why it was cancelled - well that's strange because it's in my possession and was used in the month of July. So I have ordered a new card via the online channel but I am still not able to resolve the issue as to why this happened and that I should not be charged for a new card. Also, I am very disappointed in the new fee structure on my Bank account from 1 July 25. I pay a monthly account fee and now also have to pay for almost every transaction except for those which are FNB to FNB. So why I am I paying a monthly fee. Not sure if other banks are doing this too but I think its time to take all my business to another bank because "we must pay" but cant receive a proper service, cant even speak to a human being to sort any issues out.