Failure to close account

What an awful journey I have had with fnb. Starting in my student years when I took out a loan to buy by textbooks... fnb took so long to approve the loan that I kept having to re-submit forms so they would be in date, I actually had take the book on credit at the boom store who started adding fees fnb took so long. A quick review on hello peter and my loan was suddenly approved.

Then we decide to immigrate, try do the right thing... phone fnb to cancel my credit card, they say its canceled however over a year later and numerous attempts to close it, oh and charging for it all the while... a quick review on hello peter and they then close my account while still keeping all the money for fees for an account I requested be closed. Oh and I ask then to activate my card for international use, of course that didn't happen either... thank goodness we had a caption account or else we would have been in a strange country being unable to buy our children food.

Now I request my premier account be closed... of course this doesn't occur and now they won't close it because I owe fees which weren't there when I initially requested closure.

My goodness fnb... you actually owe me money for a years worth of credit card charges and now you requesting I okay you for an account I actually closed