FNB incorrect biliing,attitude,an misleading/*****

I am highly disgusted in FNB,first i take out an account with FNB via my branch,im advised that my monthly fee would be R100 and for opening the account that month i also get 5000 free ebucks,month end, following the ebucks not being in the account,i was told the consultant had **** and mislead me and there was nothing like that,2 weeks later with nothing communicated to me they were paid into my account,following month to get charged R300 on bank charges to my surprise as everything was covered on R100 a month, i called to follow up with consultants hanging up and not wanting to explain the amount,i was then told it was airtime fees for when you purchase airtime,but once again this was not explain when opening up the account and told was covered by the R100.00 charge, asked for the account to be downgraded told it cannot be done on the phone, Today called again to query R400 bank charges had 6 Rude consultants who didnt want to assist,said i should have known about the charges when opening up the account,and that sadly FNB wont refund me even if its there fault they MISLEAD me and I was **** too,tough cookie,asked a consultant to downgrade the account she didnt action the request