Poor customer service

I have several issues withis bank. 1. I was de*****ed by some VNP company and was refunded after almost a month. Then last week they called me saying they will re- debit that money and my question was: why are they reversing the money cause it means they did not do thorough investigation but they reversed it anyway, which I don't think it was fair.

2. I have credit card with them which the arrangement is to debit the due instalment for that current month between the 9th/10th of every month. For the past 2months that has not happened and did not get explaination. This is explotation because the account now is on minus(-) balance which is not my fault.

3.I had a personal loan with them which according to the consultant that assisted me, was supposed to be paid up in March but I didn't receive any settlement letter/statement or explaination.

4. I changed my phone and tried to download Absa app but it keeps asking me for a face authentification which never happened before. Ok I did that but each time I do it, I'll receive a message indicating I'm timed out.