How can we rob you?of your time & money

If I could give this bank a zero rating I would. I would also not recommend them to any other person. I have two issues with FNB. 1. A year ago I asked that they align my credit card with my cheque account, they sent me the forms(basically a new quotation) I sent it back, got a confirmation that it had been received then nothing. Whats worse is they say they have no record of me requesting this, although I have the quote and the email. I dont know if they dont record their calls either, because according to them they have no record. But then again who would keep record especially if they are the *********** ones. Two weeks ago I went through the entire process again, and am still waiting for a call and response on that, and last week I sent another email to speed up the process regarding this and am still waiting. I am honestly gatvol now. 2. I have a cheque account that is closed, and arranged with them to pay the overdraft. The amount I am paying is more than the monthly payment and I had arranged with them, yet the amount never decreases, so upon investigation I saw each month are charging interest on a closed account. I cannot decrease the amount as I pay, as that option is not available on my banking app for some reason since the account is not active. So how is it possible that a bank is above the NCR Law? please do explain. I use to be a very happy FNB client, but since they are so focused on being the most innovative bank and allowing clients to do everything online, they have lost the value of 'How can we help you" they should change their slogan to 'we dont help you, we rob you. of your time, money and pay our people for no service. Whats worse is there are real good workers at this institution that do work, but the some are not worth their salaries. IF a customer phones for something, make sure all your people know your banking policies and are able to handle queries and give the same explanation all round, not one telling me this, and another telling me " I dont know why the other consultant told you that" Incompetence.