FNB CANNOT HELP YOU

"How can we help you" ? THEY CANNOT HELP YOU. Last month I made 3 instant payments, but they did not reach the recipient, the following day I received 3 emails stating the payments had been reversed back to my account. Days later the funds had still not been credited back to my account. So multiple phone calls later totalling a small fortune in cell phone charges I was told the payments had initially gone to another card number which did not belong to anyone ??? it took a few days for the funds to be placed back in my account. This month I again made 3 instant payments, and again I recieved emails to say each payment had been made & was then sent back to my account, however all the consultants I spoke to online told me the payments were sucsessfull based on the fact the reversal of funds was not showing on their screens. Did I do these transactions correctly YES IN ACCORDANCE WITH THEIR INSTRUCTIONS ON THEIR APP. Did I use the correct card number YES !! What followed next was an online query session lasting 2 hours 20 minutes, containing 67 messages, being transferred to 5 different departments PLUS another 7 transfers back to the same depts I had already spoken to ... not one person could tell me why this was happening, they all just kept re-routing me backwards & forwards. Eventually I asked for a direct contact number to be able to speak directly with some who could sort this out ... The number they gave me was the main switchboard which was going to transfer me back into the same group of departments I had already spoken to. HOW DARE YOU ASK "HOW CAN WE HELP YOU" YOU ARE OF NO HELP TO ANYONE.