Bad services

I am sick and tired of this bank.From the past few months FNB has been debiting my account short of the agreed amounts by over R2000 in some months and now they decide to debit my account 3 times to bring my account up to date.All these months why were they not even trying to debit the agreed amount which could have been avoided.Now they can not refund me because my account is in arrears and I have failed to make arrangements.The call centre is just a joke coz I have called them a few times only to listen to that irritating voice and music.If FNB has been debiting my account as agreed all these past months I wouldnt be here.A call from them is impossible but they expect us to hold the line for an hour!!!!I am mostly angry at home they can do as they please on my account.FNB is a bank I wouldnt recommend to anybody.The only person capable of doing their job is my banker otherwise I would have to close this account coz I have had it with this bank.