How can we **** you off!

<p>I started the process of downgrading my cheque and credit card accounts with FNB in November 2016.</p> <p>It is so easy to upgrade but oh my word - don't downgrade! I went into a branch to downgrade my cheque account and walked out thinking well that is done! Oh no - nothing is that simple! Contacted a banker and was told it has not been done and she did it for me. The credit card had to be done through the credit card department. She sent the info to them on the 4 November 2016. A month later after sending emails that I received no response to I received a contract. My personal interest rate was 18%! On my previous card it was 12.5% and as far as I am aware of I have not done anything bad! I sent an email asking for the rate to be reviewed. No reply from a soul! Ended up phoning and started a new application, explained to the consultant that the interest rate was a problem. Two weeks later I receive a quote with the same interest rate! Have been trying to sort this out via email and telephonically with no joy. I was emailed a form for an interest rate review which I filled in and sent back. Now that was three days ago! I am getting read receipts for my emails but I am convinced they are being opened by aliens! No one responds. Instead I receive another contract with the same 18% interest rate. What on earth is this about? Are there actual human beings working on these things or is everything left up to a computer? My biggest irritation and frustration is that not a single person responds!</p>