Closed my business account after billing me for R99.00 in 9 days my account is handed over.

FNB has just closed my business account for a debit balance that was billed on the 28 Feb 2026, for R100. In just a week of my account reflecting the R99 bank charges they decided to close my account and hand me over to SYMINGTON DE KOK INC, they are pursuing the account and threatening that non-payment can negatively affect my Credit Bureau Scoring. Is this how FNB mishandles everyone or is it just me? I have 8 products with them and I want to hear from everyone if I am just with a wrong Bank unknowingly. Please advise