FNB = the worst customer service I ever experienced

I have been traveling , living , working all over the world and based upon my personal experiences FNB provides the worst customer service I ever experienced, . They show lack of exposure, competences , skills and they are very narrow minded, to get a problem or issue solved it takes 3 or 4 calls because each of the consultant knows a part of the solution or give his/her own interpretation of rules, processes and procedures. In my view at FNB are unprofessional and careless, often they create troubles and unnecessary issues just because they do not know their job or maybe because they think high of themselves because working at a bank , FNB is it sot ready to bank with non SA citizens neither investors .