FNB frustrating me.

I have been trying to reach FNB for days now. When you call the call hangs up and directs you to secure chat.... secure chat takes hours to reply, and when I do I get a message back to say there was no response. I am frustrated. FNB keeps telling me on all platforms that i have an account in arrears... the debits went off, it even reflects on my FNB account. If this in any way affects my credit record I will refer it to the ombudsman and change banks.