FNB internally rotten

Some context with this review. I have been with FNB for almost 15 years now, and for the most part, it was okay. for, however, the last 3 years have been absolutely horrible. I am also a private client.

Starting with possible *****, linking down to what I believe is internal manipulation where small amounts and sometimes large amounts of money will be taken off on Fridays and weekends. These transactions would have similar names to actual debit orders with slight differences. Once these debit orders were observed and reported, the copy debit order would vanish before Monday came around. The money would still be gone. I have reported this multiple times and the agents don't help, don't seem to care either.

The chat app. Supposedly this is meant helpful, however I never used anything more useless than it. If you have to walk away for longer than 1 minute. They drop the chat and you have to start it all over again. They will bounce you to other branches and they will do this until you lose your mind. It's one of the most promoted features of FNB and it's literary useless to me. How can you get this right?

FNB promotes the ability to dispute debit orders and they will sort it out within 24 hours. However, this is not the case they will leave you waiting for weeks on end and hope you forget about it. They will also not help you if it's FNB's debit orders.

FNB's life / insurance polices, These things pop up even if you tell them no. Trying to cancel them is also near impossible. I have been waiting for over 2 months for them to even reply to me. This is unneeded as the actual life insurance covers this.

Finally don't upgrade above Premier, once you go to private you basically paying more for nothing. eBucks don't even exist.

Don't use FNB in 2023 and forward, they have gone downhill and I believe they have serious issues internally with dirty money-snatching tricks.