FNB disgusting service

I am very disappointed in FNB's lack of ethics as a bank that claims to care and 'how can we help you' I made payment arrangements and have been paying as per agreement yet FNB card debits my account as well with over 3.5k. Why hand my account over and then still debit me after payment was made? You phone in and get transfered from pillar to post because of *********** staff and a broken process. They purposely make it hard for you to reach them so you can give up on ever getting helped. This seems to be the way FNB handles clients, they help you by making banking difficult.