FNB is no longer a great bank. It

I have lost faith in this bank. Their customer service used to be the best but now they just actively want to make you upset. In November they debited transactions twice and made me wait more than a week for this to be refunded. In the meantime, I get charged for failed transactions because now I don't have any money to make payments and right before I planned to go on holiday too. Forcing me to have to take a temp loan just to get by for the time being. That is one issue. The other is that for December I specifically told them not to move forward any debit orders and they go and do exactly that. Again messing with my budgetary plans. I ask about both of this and what is being done about it considering over the years I've been loyal to FNB and have used them solely as my bank for almost 10 years including the previous accounts I had with them. They've repeatedly slipped in hidden costs, messed me about and have done nothing about it. Today I go on to their chat service and ask what is to be done about all this and their advisor Thulisile tells me to contact the insurance desk in the morning about something that about a debit order being pushed up and the double debits. WHAT IS THE INSURANCE DESK GONNA DO? I will be chatting to discovery and capitec tomorrow about switching to them instead. If I could give them zero stars I would.