INCOMPETENCE at FNB continues

I AM SO OVER THE UTTER INCOMPETENCE AT FNB . YOUR CHAT FUNCTION ON THE APP IS SO SLOW . AGENTS TAKE 30+ MINUTES TO RESPOND ... MORE IMPORTANTLY I HAVE A PERSONAL LOAN WHICH WAS IN ARREARS BECAUSE OF FNB'S INCOMPETENCE AND THEN THEY HAVE THE NERVE TO STILL HARASS ME ABOUT . TODAY I GET DEBITTED TWICE . AND NO ONE RESPONDS . NOW my account is in a minus . I want this sorted out immediately!! And my funds returned IMMEDIATELY. SOMEONE BETTER CALL ME TO EXPLAIN OR IM APPROACHING THE OMBUDSMAN