FNB service is useless.

After one month I have not received my money that FNB had to refund my account with after a double debit that was wrongfully **** by them. I went into the bank, and I was asked to phone the call center. After I spoke to the firth person, she told me it will take five to seven working days for a refund. I return to the bank after eleven days just to be told by the call center that the system have a problem. So I had no other option as to take a loan with the bank for all my payments still outstanding. My question now is I have to pay interest on the money I was forced to loan and my credit record went down the drain, not to mention all my time and expenses for my six visits to the bank. The consultants at the call center are rude, the phone lines are bad and they just pass me from one consultant to another. FNB service is useless.