Bad customer service, cancellation request disregarded

At the end of July, I app**** for and opened a Retirement annuity of which I later in August before the debit date cancelled. A deduction was taken from my account, not once but twice already. I have been transferred from pillar to post with no resolution to my complaint and completely ignored via the secured chat. It takes an agent 30 to 45 minutes to say Hi and assist you?Really?and when they do they dismiss your request and advise they cant helo do this do that? *** FNB!!! I want this Retirement annuity cancelled like I requested the first time. Now trailing back to current, I am being charged for fees for transactions which FNB honoured? The damn money was deducted from my available balance and therefore pending to the merchant. How the actual am I being charged for transactions which was as good as processed?The transaction would not have gone through if there was/were no funds? I am irritated by this bank no proper service channels and when you call no one knows what to do?Be better, do better. Close the Retirement annuity and reverse the charges which YOU ACCRUED TO MY ACCOUNT INCORRECTLY.