FNB- Worst bank in the world

I have had such issues with FNB. I honestly cannot believe that I have been loyal to this bank for over 15 years. What a waste of my time. I try to pay off my loan with them and the transaction is declined because they have for some reason frozen my account. I log a request to my platinum bankers, with no response. When they send me a flipping warning to pay off my loan, I keep trying but despite there being funds in my account, it bounces and they have the audacity to charge me for the failed transaction and on top of that, and an extra R65 service fee. WHAT SERVICE I ask you?!?! I request various times for them to unlock my account, with no response from them. I then log various complaints and when they finaly get ahold of me after weeks, its to email me, my prefered method of contact, to tell me that I need to call someone else to sort it out. What on earth do I pay for premium banking for, if my so called bankers dont do their job properly? Please just sort this out so that I can finaly settle my accounts with you and move to a bank that will actualy do their job and appreciate customer loyalty.