FNB cannot help you

I've only ever been with FNB, apart from the first couple of years after college. I'm disappointed at how FNB treats its customers, changing their accounts without customer knowledge, attracting higher interest rates and not even sending a customer a statement to inform them that their account is in arrears for more than 2 years. Today I just found out that my overdraft was converted to a personal loan. This overdraft used to be linked to my current account and I used to service it on a monthly basis. FNB made this change without consulting me or even reaching out to my debt reviewer. I have paid all of my debts, trying to take my credit life back into my control and I find out that I have missed 20 payments to an personal loan that I didn't sign up for, that I was not informed about and the best part about it is that I now owe R20k in interest alone. Their call centre is absolutely ill prepared to handle these matters. This is the worst customer service I have ever received and I'm supposed to be on premier banking. Totally disgusted at this ********* conduct by such a major institution that knows they will not suffer any consequences as a result