Over charging and bad customer service

I am just simply unhappy with the service from FNB. I just opened an account with them after being with another bank for 12 years and within the first month I am disgusted in the service I received. They charge you in the mid month for monthly charges when they can see there are no funds in the account. They charge you R30 for drawing from another bank. I am trying to stop a payment from DiDi and they can't help me but they allow this company to debit my acc raking up charges up R85 now. I cannot make use of the e-wallet why I dont know. the secure chat does not help as the staff just disconnect chats. I want my account close as moving to FNB was the worst mistake ever