Absolutely ******* customer service

I am with FNB private banking and besides never being able to get a hold of my banker, I have a revolving loan which I have paid 15% and my account shows that the money is available, however I cannot access it. Tried to get my private banker on the phone and they are not available. Spoke to another banker who told me I have to accept some credit shortfall option for some reason. Did that and still not available. Then the call cut and I cannot get through to anyone. The call gets answered, I hear noise in the background but no one answers me. I have been with FNB for years but I have finally made the decision to move banks. I am sick and tired of paying very high fees and having absolutely nothing to show for it. I want this resolved now!