FNB FIRST NATIONAL BANK! DO NOT OPEN AN ACCOUNT WITH THEM, MOST IMPORTANT NEVER GET AN FNB CREDIT CARD!!

I had a Discovery Credit Card 2011 to 2013. I paid up this card, to Discovery end of 2013, beginning 2014, to the amount of R22 989.00 in full and final settlement. I then opened an FNB account in late 2018, beginning 2019. All of a sudden, that same Discovery Card, which was underwritten by FNB, got added to my FNB APP! ONLY THEN IT STATED I OWE R49 989.00. HOW? I PAID THIS CARD OFF! TRYING TO CALL THEN AND REASON WITH THEN WAS IMPOSSIBLE. THEY DON'T CARE. THE WORST IS, THE PUT IT ON MY CREDIT REPORT, AS OWING R49 898.00 BUT ALSO MY INSTALLMENT IS R49 989 00! THIS IS *******, THIS IS BLOCKING MY AFFORDABILITY! IT IS *******! I AM TAKING THIS TO THE CREDIT OMNITSMAN! I HAVE SENT E-MAILS, CALLED IN, HELD ON FOR HOURS, NEVER GOT THROUGH TO ANYONE. A LADY FROM FNB SENT ME AN E-MAIL, SAYING THAT SHE HAS BEEN ASSIGNED TO HANDLE MY QUERY, WITH A REGERENCE NUMBER OVER A MONTH AGO. I STILL HAVE NOT HEARD FROM HER. I EVEN SENT HER E-MAILS. NO REPLY FOR ALMOST TWO MONTHS NOW!!! I AM NOW CONTACTING THE CREDIT OMBUDSMAN!! DO NOT, I REPEAT, DO NOT OPEN AN ACCOUNT WITH FNB!!!