Lack of service on account closure and unauthorized debit orders

FNB will send you to the grave before your time. I have paid up all my debts and requested for closure letters and for my cheque account to be closed as well. This all took place beginning of December and guess what. I am yet to receive my account closure letters. What frustrates me is that they claim they can’t give me an account closure letter for one of my account because I have a credit balance on the account. They first need to refund me then provide me with an account closure letter. I have been waiting since the 09 December for the refund and the closure letter. It is now January and guess what, no closure letters, accumulated bank charges for account that where meant to be closed last month and wait for it!! I now have a ********** debit order on my account and a R110 charge for the bounced debit order. Dear FNB, I am tired of sending emails and calling your consultant to request for this simple transactions. Your lack of service is really frustrating. STAY AWAY FROM FNB IF YOU WANT TO STAY SANE.