FNB does not know how to service its customers, at all

Absolutely horrible experience in just about everything. I can't dispute debit orders. It is completely impossible to figure out how to verify a new device. Complaints via the website don't result in a response (or I am sent a price list when I complain about unreasonable fees). It is impossible to figure out how to do bulk payments via the online channel because FNB doesn't tell me how the input file should be defined. I receive the same sms's multiple times per month on the same purchases by a software vendor overseas - useless. Even when I go to the branch, I don't get what I want because the branch doesn't know, so I get connected to the call centre, who send me to 4 different departments, resulting in nothing. FNB provides services at a desastrous level. Their website says I can call between 8 and 19.00. I call at 18.03 and the call is terminated because the call centre closes at 18.00. I want to start my own bank, so I can create my own services, simple and easy. I am so unbelievably done with FNB.