I am appalled by the service at FNB

I am appalled by the service at FNB. Firstly I was told a number of times that I don't have short term insurance even though the latest debit was yesterday. I was trying to claim for my damaged cellphone. Secondly, a FNB consultant contacted me a few months ago and upgraded my life cover. When I called I found out that the consultant had canceled the Life simplified and failed to activate the upgraded life customized. I am incredibly disappointed as this means that if I had died last week my family would have been left without any life cover despite me paying my premiums every month. I am shocked at how FNB just plays with people's lives and I would like to advise others not to go for their products. I was even told that I don't have funeral cover. I am shook!