FNB bad experiences

So I have a private client account with FNB, had issues of ********** transactions on my accounts where tollgate transactions were going through. I raised it with the bank, they refunded the money but would constantly have the same issue. Tried to apply for their loan products, system apparently said I’m under risk category 3. Like ***. Had a FNB petro card, card got damaged and requested a card replacement via the chat messages, to date it was not delivered yet I was getting charged monthly. Recently my account got changed without any communication to me, I started seeing messages that my account changed and card changed. That’s when I took a decision to change banks and I am happy where I am. Received better banking products which FNB could have failed to offer me. So I was very disappointed by the treatment I received, instead of finding ways to help clients repair damages to their credit, banking services, they go mute and that time you are paying for certain services to be available/provided for you. My advice, think twice before banking with FNB.