Disgusting customers services

I was advised this is the best bank. I opened up a current account and after a few months I stopped using this account. I went to the branch to downgrade from the current account to a normal "pay as you use" account to avoid service fees and charges seeing that I don't use the account. The account has been downgraded 3 months ago. But monthly there's been a "linkage fee" of R20 putting my account in a minus of R76 after advising consultants that I do not use the account often! Today I went to cresta branch to wait for 2 hours for assistance only to find that my problem has sit not been solved. They told me the linkage fee is some greenbacks rewards. This upset me not only because I was never advised about this rewards programme but also because after deducting R20 a month they give me reward points to the value of R2 .... This messed up my whole day. I got home and started chatting to a consultant on the nedbank app for guidance and after asking her a question she rudely rep**** and left the conversation. Is this what nedbank does to their customers? SIES SIES SIES! It's a disgrace to the entire financial institute!