WHY PAY PRIVATE CLIENT CHARGES IF YOU CAN'T GET ASSISTANCE

It has been really been a difficult time for most people financially. Everyone is trying to spend less on service charges. When I got the message from FNB regarding the increase of the charges for the Private Clients account will increase in July 2021, I immediately requested to downgrade to a Gold Cheque Account as these charges were going to hit me hard. I have made four (4) calls to the FNB Private Clients Suite and to date I have not received any assistance. These increased charges have gone off twice already from my account. What does having a private banker mean if one cannot get assistance on something as simple as a downgrade? If I did not have a revolving credit facility, I would have already closed this account by now. FNB owes me the amount they have deducted for the two months since my first request & I expect them to reimburse me and migrate my account to a Gold Cheque Account.