FNB customer service is a horrible mess

FNB continues to reduce its ability to provide decent customer service even as they keep on charging a host of fees and a ton of interest. When you phone or even do their live chats you keep on having to wait around for ridiculously long times before someone starts to talk to you and invariably they can't help you and you get transferred to someone else and then have to hang on for ages again before they get to you. South Africa produces thousands of BCom and other graduates and I don't understand how the bank cannot have enough staff to ensure that they get to all their customers within 5 minutes of a call being made or a chat started. On a related side note, a few years ago I was held up and forced to give my bank cards and information to ******s. After they left me I tried to contact the bank to cancel the cards and freeze my account to prevent money from being ******. I could not do this because I had to sit on a phone and wait for someone to answer and help me. To this day, I was never refunded the money that I lost because of what I view as the bank's fault. Things never got any better. I would not recommend this bank