FNB, Expensive but poor service

I have always accepted the exorbitant charges from FNB because I felt it was worth it, given that their service was good, quick and friendly.

As off late it is one faux pas after another. 1. It was the bank being off line when I needed to get stuff done - that is ok, it happens. 2. It was the 100 deduction for each unsuccessful debit order. Hello, sometimes people try taking money from my account although not authorised by me. If I have 1 every month I am out 1200 per year. This is not fair. 100 is too much a penalty for this. Plus they charge me 18 for stopping the unauthorised debit order! How is any of this legal? 3. The discrepancies in ebucks. I have always loved ebucks rewards. But it seems they just assign them randomly with absolutely no consideration of anything whatsoever. Last month I was expecting a bit over 4000 and leveling up but I get 0. I call to ask they say it is because my temporary loan was not paid. Well FNB guess what? It is not my job to pay the temporary loan. In fact there is no way I can. The bank collects it from my account as soon as there is money (which there was). So i log a complain. 3 weeks later, still not resolved. I was promised 48 hours. Your fees are too expensive for you to be ***********. 4. Spam. I get called so frequently about upgrading either my card or my credit card. The silly explanation is banking fees are too high so getting a plan that inherently charges me higher than the current one will save me money. I always ask the consultant of the services I am getting charged for (Which take my charges up to over 400 monthly) will be free on the new more expensive plan and the answer is always no. I get a silly story on how I will get more free withdrawals blah blah blah. To be clear I always use less withdrawals than my quota, the charges are normally statement request, sending/downloading proof of payment (which believe me is 8.50 per page), insufficient funds (because the lady at the till feels too antisocial to ask me of it's budget or straight, again an 8.50) and ewallet.... so they basically try to con me into paying them more under the pretence that they are saving me money I will get time to go on...... this is it for now.