FNB - A nightmare to deal with.

If I could give them a 0, I would. If you ever find yourself retrenchment, please brace yourself for the most painful experience with FNB. Firstly they ask for documents that do not exist. Then after dragging the matter, they finally approve your claim without those so called necessary documents. I have a home loan with them and although the claims team are paying those installments, they still debit my overdraft. Last month (June) a complaints handler got in touch and said he has sorted everything out and my overdraft will not get debited again. Come July and they debit me again and as for the chat service, when they cannot help you, they disconnect the chat or keep passing you from pillar to post. I have taken screen shots of the most recent chat. Coming to my credit card, same story and they charge a higher interest rate on a lower balance. I've asked for a detailed breakdown of how they calculated the interest but they refused. I had already worked out the APR before even questioning the interest rate. When they respond, they just send a one paragraph response failing to address your concerns. The response is not even formatted to at least address you by name and tone sounds as if they're annoyed to help you. I am a long standing customer of FNB and this treatment is so bad. There's absolutely no Treating customers fairly from this company.