FNB is risking our accounts and selling them to ******

FNB is useless and I don't know why I continue to bank with them. Their Call Centre Agent are not properly trained and don't know how to deal with customer queries. I had an issue with my loan application being declined due to reversed debit orders they picked up against me. I contended that those debit orders were unauthorized and asked the Contact Centre Agent why the bank is punishing for their incompetence, and the agent responded that I should not have reversed the debit order, but must lodge a motivation with the bank why they should reverse the debit order. So I have to write motivation for every debit order I did not authorise? The bogus people who debit our accounts, clearly the bank authorises the debit orders to run, if it's not R78 debit order, it's R99. Am I supposed to write motivations for the whole year? This is taking our clients for a ride, and if this nonsense continues, I will have no choice but to switch to another bank, no matter how much I like this one.