Unprofessional and Disappointing

I have been unemployed for close to 11 months now, I have requested FNB to downgrade my cheque account to savings because I no income anymore. Up until today it hasn't been done and I keep accumulating back charges every month. Which is so unfair to me as the customer. Been to their almost every month but with no luck. And today they're offline. So unprofessional yet they make sure every month they charge...😡😡😡