Useless service

I was prompted in app to upgrade my account. I wanted to go to Private Client, however the upgrade went to Private Wealth. I immediately asked for a downgrade back to fusion, as well as all fees to be refunded. I was told in the chat it will take between 7 and 14 working days. I've followed up and was told the downgrade was successful. No fees have been refunded. I went to Indonesia for holiday, and because of this, could not use my old credit card, transferred money 5x to withdraw, and was hit with 5 insufficient fund charges. Further to this, my account not being downgraded resulted in me losing ebucks for normal spend as well as AGAIN (MONTH 6) not receiving my life policy ebucks (it is an ongoing battle for 6 months to get this without having to log something). Please fix your service FNB. IF THIS IS NOT SORTED BY NEXT FRIDAY, 10 JANUARY, I WILL MOVE ALL MY BANKING. 1. EBUCKS 2. REFUND OF FEES (INITIAL) 3. REFUND OF INSUFFICIENT FUND TRANSACTIONS 4. Ebucks life policy

DON'T PHONE ME, EMAIL ME SO I CAN RESPOND.

The banker allocated to me is as useless