FNB *****ing from customers

i have been with FNB for about 5 years now, about a month ago i had a sales person call me for a credit card, i agreed to taking the card but in about a week and a half i never received any forms to sign as i was told i needed to do that before it received the card, i never received a card but i received a statement and had an outstanding amount of something i did not even have. i cancelled the card that day and now today i received an sms to say that R199 will be taken off my account<br> FNB is a bunch of *******.