FNB

I have had almost 4 years now where FNB keeps allocating my payments wrong and getting debt collectors to call me for non payment, but in fact i have been paying. My attempts to fix this has now again taken almost a month with very little to no feedback and no answers, leaving me with a damaged credit record! Absolute useless service every single time! empty promises of it wont happen again just to leave me in the same situation months later for me to contact them AGAIN to allocate my payments correctly! Unanswered emails, fruitless trips to the branch! All i want to do is pay my debt in peace!