Horrible customer service

I currently have an issue with FNB. For a while I have been struggling to pay them back as they have some been charging additional interests and penalties for any bounced amounts of about 200 so based on the amount of transactions that bounce it becames a lot. So in February I managed to withdraw my pension found and use this to pay FNB back the money I owe plus extra since what they call settlement amount is never the settlement amount as you need to pay extra which is plus minus 700 rands per account. After weeks of fighting with them to get a status update on if my account is showing as paid and closed I get an sms that my vehicle payment is fully settle which is weird since its my credit card am settling. To make things worse I asked to have all my accounts close and they are struggling with this little task and taking time which is causing interest and service fees to accumulate on the account the longer its open even If I am no longer using FNB for anything else at this time. Can some one please explain to me why you can not just terminate the account instead of hours on FNB secure chat asking for help just for the session to end super quick or be bounce between agents again and again. I even had an agent only respond to me at midnight even when I started secure chat around 8. No man, it can not be so hard to get an answer and have an account closed. If someone reading this has contact details for the National Financial Ombud Scheme South Africa please send that to me as I have a lot of interesting screen shots for them to see how horrible a service this has been and what I have had to fight with since the 26th of February. Oh to make matters worse at N1 city in Cape Town I just got told on Wednesday I have a corporate business credit card which was opened in 2018, this is ridiculous as during that time I had no business or any funds to that leave to open one.