Overcharging Service Fees

I have been a standard bank client for over 20 years and the level of service I have received is totally unacceptable. I have a credit card with the bank and for the last few months have just been making payments, no purchases or withdrawals. On contacting the call centre I was advised that there were two charges, a finance charge and a cash finance charge. I was then informed that the cash finance charge was for everytime i used my card and the finance charge was normal bank charges. I then informed the consultant that I did not use my credit card for a few months and how can this be? She then put me hold to find out and came back much later to tell me that irrespective if I swiped my card i would still be charged these charges. This is clearly ******* and I am not satisfied with the explanation I received.