FNB ripp off

FNB, I used to bank with them. Had a lot of these out of space insurances taking my money. I would reverse the money, they charge me for that but these people get to my money while I thought it was safe with FNB. I sent money via eWallet to my cousin, unfortunately he couldn't view his msgs on his phone. I phoned FNB to reverse, they told me it would be back in my account within 14working days or I can get immediately but they will charge me R50. I told them I will wait for the 14days. I waited for 2months, no money. I called them again and they said my cousin activated his eWallet but my money is there available, so I tell the lady 14days is long gone. She told me because my cousin's eWallet is now active they could give me the money. So I asked why didn't you explain that to me the first time, she said it must be a mistake from the agent I spoke with. I say Okay now I want my money now, she tells me if you want it now we will charge you R50.00. I said **** it do what you must and give me what's left cause I will close this account. I went to their offices in Cape Town to close the account, I told the guy there I am cancelling my account, gave him my card, he cut it into pieces. He told me I must come after 3days to confirm cancellation. WHY? I don't have money to go up and down because they been charging me for correcting their mistakes. I never went back, the account is still active they send statements, charging me still and sending me messages that I must put money in the account. I don't even have a card. WHY?