The way i hate dealing with FNB, its beyond me!!!

So i called on the 24 June after the price change schedule to down grade my account because of the new ridiculous monthly fee on a Platinum card. My account was down graded.Billing date was changed, i asked for it to be changed back to the 25th and this was done. To my surprise my price option was also changed from Unlimited to Pay as you use (mind u this is all caused by just merely asking to down grade). I caled on the 25 requesting for this to be sorted and was informed this will be done in 24 hours and refund will be done. When i called Monday the 29 June to ask my refund, i spoke to a gentleman who seemed like he couldn't deal with my query and he transferred me to his VERY rude Team leader ( forgot her name ).She called my by my first name, and i asked her not to call me with that name but to use my 2nd name or surname and she told me \oh unfortunately this is your name". I asked to speak to her manager and i was transferred to Kelvin whom informed me he will escalate the matter to the Price Manager ( i think ). Kelvin came back to me and told me i will only get my refund month end. I WANT MY MONEY LIKE NOW. I regret the day i moved from Standard bank to FNB - **** bank this"""