DISGUSTED AND WILL NEVER RECOMMEND FNB TO ANYBODY

I am extremely frustrated with the level of service I have received from FNB so far. I have been pushed from pillar to post and I am truly ready to move right over to ABSA. The first issue is that nobody ever gets back to me unless I complain. I app**** for COVID relief, because my husband is no longer earning a salary. You guys then sent me a relief plan which was a loan, which I declined because I cannot repay a loan at this stage, especially when a few weeks back you FNB refused to increase my limit on my FNB credit card because YOU said I was unable to afford it. The limit of my credit card was 4000R. I find it ironic however that ABSA gave me a credit card within 4 days, with a limit of R80 0000. I then app**** after several complaints, and various different contacts via email, phone, social media and eventually got a payment holiday from a lady. She eventually gave me a payment holiday. She was efficient, and on the ball. At the end of her email it states "Interest will be capped on a monthly basis and will be added to the balance of the bond, interest will then be calculated on the higher balance" To my understanding this means that I will pay higher interest at the end of the payment holiday? Is this correct? So my issue is that I have a flexi bond with my homeloan. The balance was R8000. I then added 2 extra payments of R5000 each which is MY surplus money that I am putting away to cover my husbands debt. I was of the understanding that a flexi bond allows me to put money in and remove money out at my own discretion. Is this correct????? I now see that R6900 interest was removed out of this flexi bond account. Is that allowed??? So Instead of my balance now being 18000R it is sitting at 13000R with R5000 unaccountable for? Please could somebody assist and explain this to me. I am running very short of patience because I keep getting referred to every tom **** and harry without any feedback. I am furious and very very tempted to take my bond, and my cheque accounts and credit card and my insurance and move banks. I understand that this is a busy time for everyone, but lack of follow up, bad service is unacceptable!!!!! Especially when FNB was the bank I totally believed in. I then resent this query back to my so called private banker, without a response, nothing. I did see however that she then forwarded it to the collections department who might only get back to me within 10 days. I will not wait 10 days. I want an answer and this better be sorted out by middle next week or else I will be closing my accounts. This is after 3 weeks of trying to get this issue sorted. I am furious. Always go to your app, always hanging on the line for ages and then get cut off. When FNB does phone back your lines are terrible and I can never hear a thing, then what … NOBODY PHONES BAC****!!!!!DISGUSTING AND EXTREMELY DISAPPOINTED. I AM WAITING FOR SOMEONE TO ASSIST...…… Thanks ***