FNB Pathetic customer service!

Pathetic customer service! I contacted FNB at the end of last year to close all of my accounts as I was not happy with their service. I would log in a few days later only to see everything still active. i contacted them again, this time my cheque account was closed and they assured me that my credit card will also be closed. a few weeks ago i log into FNB only to see that my credit card account is still there but now i owe THEM money! after i had even left R100 for them just to make sure that the account balance was in the positive. so i contacted them again and they told me they will sort it out and get back to me (they have not). I now have an email from FNB saying "Kindly note that your Fnb credit card account has been handed over to our collections. For assistance with closing the account please call our collections help desk on *** for assistance with closing your account." FNB Better get this sorted ASAP as my next steps are to take this to the National Consumer Commission