As soon as I can, I am dropping FNB as my bank!

It has been a day from hell dealing with FNB:

1. I wake up and R3 500 debited from my account, through ********** means - I am told that I won't get the money back, my card is cancelled (without a new one being ordered or helping me with the process of ordering a new card) and a case has been logged. 2. FNB purposefully does not debit my one loan account so that they can add the arrears onto my existing account and bank the penalty fees & interest. 3. Trying to sort out the loan account arrears my call was dropped 3 times by FNB representatives. 4. Not one representative could help me, I spoke to the loans department, tried to get through to collections without any success and the complaints department offered minimal help as well. 5. I entered my I.D. number correctly, followed by the hash key, and was told that there were "too many digits".