Very poor treatment

This is a two level complaint, the one is related to my bank trying to charge me R 200 if I go into a branch to collect a business card? doesn't seem logical at all, especially when their delivery company attempting to take a picture of my ID when delivery my card??? not scan, a picture.... Then when I ask them not to upgrade my account, or actually downgrade back to its previous level, they keep charging me for a platinum account, now try get the refund fo the balance. Very disappointing to be traded like that by your own bank...I am seriously thinking of changing banks.