unexplained products

i have been an fnb client for some time now however i do not no how to please this company as consultants at the brancch cannot help you yet the need there money every month

1. my Ebucs has droped from level 4 to 3 why is that nobody that i deal with from fnb can explain ebucs to me properly how do i stay on that level steadily i keep taking new products to boost my ebuc but nothing works.

2. my fnb law on call policy just laspsed fnb could not have the courtesy to notify me yet when they never got there money they were very quick to inform me.

3.rejected fees for unpaid debit orders i never understood this cause is was not in the pricing brochure i recieved in 2015 fnb fast to take money i taught they notify you of debit order before hand to ensure u have enough money.

4. you can rely on going to a branch cause you will wait hours in ques for a consultant who knows as much as you