FNB does not seem to train their employees to solve problems

I went to the Woodlands mall branch and closed my Credit card about a year ago, Fnb keeps deducting money from my other account to pay for the credit card charges. This account is CLOSED. I also tried to close my current account, but they could not close it for some obscure reason. I have just let the account go and they froze it. I am trying to get joy out of FNB, but are sent from one department to the next and then back to where I started. I found FNB's personnel very friendly, but totally clueless. Looks like I will have to take legal action to get any constructive action from FNB.