FNB has terrible customer service

FNB is not as great as they say they are, they don't have set fees for bank charged and apparently now when a debit order is deducted ad put under pending if that company puts through their payment that according to you was already deductible d and put on pending in your account on a different date when your account does not have physical money in it then FNB takes it up one themselves to charge you extra. If you request that they refund you on the app they tell you it's your fault and refuse to escalate your issue to a manger after requesting so more then 2 times.