incompetence at its best

worse banking experience ever, FNB will no accept the money that is being deposited to my virtual card, because they say cvv number has expired, but continues to allow a third party to deduct money from my account using the very same cvv, where is the sense in that, also you your agents are telling different stories every time I enquirer about this, money has been deposited to FNB and they will not lift a finger to try and clear it, this is besides the fact that your system does not automatically deduct monies for arrangements made with FNB yet they are so quick to send demand letters, please fix your customer service and before boasting about being innovative think your processes through, as the end customer it is very frustrating to deal with your incompetence