FNB do not treat customers fairly

I have seen FNB advertise and it seemed fantastic - until u actually deal with them .. It was continously back and forth with documents instead of requesting everything upfront - eve though applying online I had to go to the branch anyway to activate. I wanted to move banks and I currently have a credit card which is settled - yet they decline me a credit card saying my spending is unsatisfactory - They ask your income then want to decide how you spend . I request to close my personal acc I opened as well as business to get told they already debited my monthly fees so Im in arrears and it cannot be closed until I pay in - I havent even used the account, merely put funds in to activate ---- Will never consider them or refer them - by the looks of it its 74% bad rastings - wake up FNB!!!!!! I can spend my funds as I see fit - My ITC score is perfect and I have never missed any payment in my life. Disgusting that you feel you can dictate how people spend their earnings.