FNB **********ly posting fees on my account

On the 11th of September I requested my cheque account to be downgraded from Private to Gold. This request was ignored. I then visited a branch to escalate it and was informed that it would be done the following Monday. On the 23rd of September they took a Monthly account fee of R399.00 when, if they had processed my request they would have had to take a fee for the Gold which is way less than that. I then logged a query on twitter and eventually the account was downgraded. I informed them that I want that charge reversed as it should never have been applicable. They have still not reversed this charge, instead they posted an additional charge of R39.00 on Sept 26th. Recently, I transferred R4100.00 money to the credit card but when I processed a transaction for R600.00 they declined it and then posted a charge for that declined transaction yet the balance on my credit card is more than sufficient to have accommodated that transaction. I am really ****ed at this bank. They were also supposed to deliver my gold credit card, which they never did.