Disgruntled customer

I have been a FNB customer since 2007. I have always admired their technology advantages over other banks, and in general I never had reason to complain Around a year ago I was asked to do a KYC via e-mail. I sent the required documents to eddconsumer and everything seemed fine. A few weeks later I tried to pay something at Volpes and my card declined. I went to FNB in Tygervalley Centre and they told me that Fica was outstanding. No warning SMS or email, just froze my account. But, we understand that these things happen and I continued life, only to have my account frozen again a few weeks later. I went to the bank again (with my husband who also did his Fica) and I did my Fica again. Shortly after we visited Botswana for business. My husband’s card started declining and we could not pay for the fuel we had just put in. Luckily he had contact with his private banker and she was able to lift the hold so we could get back to South Africa. Not long or my account was frozen again. This time my debit orders failed and I was unable to pay my debt. I had enough and opened an account at another bank. Unfortunately I still owe them a revolving loan and an overdraft which I am currently paying off. You won’t believe me when I say after our December holiday I was unable to make a payment to my revolving loan again because of a fica hold. This now reflects as an arrears on my credit record and I am unable to replace the car I just sold due to finance being declined. Are they so corporate that they do not realise that the account they froze is a loan?! I am at a loss for words and ultimately past annoyed with their service. When asking them they just said its a KYC hold and I have to spend yet another day at the branch. Valuable time I could have spent at my office. My work requires me to travel alot and these KYC holds always occur without warning when you are stuck in another country with only your FNB card. Private Wealth means zero at FNB. Just ridiculous bank fees. I have never been contacted by a banker of any sort. No thanks! I cannot wait to pay off this loan so I can be rid of them for good. Contradicting as they have never asked me to FICA my small business account.