Disapponted FNB customer

l did a pay and clear payment on 11/10/2021 at 7:58am and the money didnt go through l called fnb after 5 hours and got told pay and clear take up 12 hours. l waited for the 12hour still the money l transferred was not reflecting in the other account. after 25 hour funds still not reflecting and l was charged the R45 for pay and clear services. l called FNB again and l was told a call was logged and they gave me a ref number saying someone will call me. its been 5hrs now no one from fnb has called. So much for how can we help you tag line. Disappointed customer