FNB the worst bank in SA

If I could rate them a ZERO I would. Highly ineffecient and frustrating bank, that prides itself with innovation and agility when it cannot do basic banking. I have been on hold for hours if you add up my times of trying to contact and resolve my query. Absolute JOKE. I paid my credit card and asked that they CLOSE MY ACCOUNT. They closed it in April, months later, my ITC information still adversely and incorrectly shows I owe FNB and I have been going to branches, calling collections department (that NEVER picks up). The branch say they will escalate, still nothing to this day. I logged a complaint form online, still nothing, called in to complain, that's another story. Silly bank, never doing business with these people ever again.