Incompetence of FNB

I drew money from an ATM end Feb 2016 and money was not received. I phoned the ***** branch of FNB immediately where they stopped my card and informed me to go to my nearest branch to get another card. I went to Key West branch where I was issued a new card and filled in the query form that I did not receive my money. at the ATM.My money was refunded the next day. A week after that the money was deducted again plus charges from my account where I went to FNB Key West and then the lady at FNB Head Office said on the phone to me and the lady that works at the branch she did not receive the form where they send it again. The money was refunded again the next day. A week later the money was deducted from my account again with charges. I then complained online with FNB customer complaints where the money was refunded again the next day. To my surprise the money went off again on the 14th of April with costs and no notification. FNB is ***********, their staff are ***********, their systems are ***********. They thrive on innovation but the only innovation they apply is how to de***** their clients. I will not refer anyone to FNB bank and I will encourage other clients to close their acc