Fnb *****ing from me

I can't help feeling that Fnb is *****ing from me. Firstly I got charged for a bank card that I ordered through my bank app( which acc to fnb is suppose to be free) I paid in full for but more than a month ago, I still don't have it. Secondary my debit orders " mysteriouly bounces" although there is money in the account. When it says unpaid, the money does not come back.... And here is the best part I get charged bank charges.... U try and phone you either hold on for eternity or you get transfered from one person to the other like a ping pong ball. Seriously considering to close my account and log a complaint by the ombudsman as this is no better than *****ing....