FNB - **************** !!!

FNB are charging me for a device which i have returned about 2 months ago!! This contract was cancelled, and i was told that i will get a full refund. I had received a refund for the first device, with no issues, however for the second device, grading alone took over a month, during that period i was still billed, even though the device was with FNB. After the grading was concluded, i was still billed, FNB say that i did not return the charger and head phones and want to charge me R165 to come collect?? I was not contacted when FNB noticed that the accessories were not included, only when i inquired about my refund then io was told that certain accessories are not included. This is ****************!! If FNB can start advertising accurately, there will be less issues like this for consumers. It is interesting to note that grading and feedback from FNB was delayed, however the debit order against my account was never late.