Bad service.

I had a personal loan with this institution which was settled early. After contacting FNB via email, I never received a response for quite some time. Then out of the blue the response arrived, and a short apology for taking so long, and some explanation that the account was closed, yet there was an interest amount added on to the account which had a zero balance. My original question with regards to their handling of an early settlement was never addressed. I responded to their email and got an answer now stating that the account takes 45 days to close, and the outstanding balance would be R2.42 - interest on a blasted ZERO balance. What a joke. Knowing FNB and my experience with them, they would most likely black list someone for just that - interest on a zero balance. What a joke this institution is. I regret ever having moved to them.