Dont join fnb pvt bank.if you are debt free! You will get penalized and no service

Still no reply or feedback from.Fnb! Received an email from Tevin Peterson whom told me he will oversee the situation and if i have any problems i can email him???? Guess what??? No reply or any feedback! I even send him the proof of fnb lowering my creditscore cause of high increase of debt????? Pls pls pls tell me how R500 truwoths and R1400 mr price is a high increase in debt???? I can tell you why Peterson and my so called banker is not replying cause they dont know what to tell me and how fnb can downgrade my creditreport!! I have no debt so again what is the reason? I want my credit rating on fnb sorted out! I dont want Devon Peterson or my banker emailing me cause they useless! There is no service at fnb pvt bank! Stop emailing clients with lies about fnb will sort out my problem! Again i want to know why i pay R500 pvt bank fees for whar service?? Fnb is misleading clients with there pvt bank service! There is no service but fnb collect there fees each month!