MISERABLE SERVICE AND GETTING WORSE EVERYDAY !!!

FNB 'HOW CAN WE HELP YOU' SHOULD BE 'HOW CAN WE NOT HELP YOU'.FNB SERVICE IS GOING DOWN EVERYDAY FROM THEIR LAW ON CALL WHICH DOUBLE CHARGED ME AND TOOK MORE THAN TWO MONTHS TO REFUND ME.THEIR FNB HOUSING FINANCE IS EVEN WORSE THEY DON'T RETURN REPLY TO EMAILS AND CALLS.THEIR CALL CENTER IS ALWAYS BUSY THROUGHOUT THE WHOLE DAY WHICH I DO NOT BELIEVE IT IS THE WHOLE DAY IT IS NOT WORKING.YOU LEAVE A MESSAGE ON THEIR ANSWERING MACHINE WHICH THEY ADVISE YOU TO DO THEY DON'T EVEN CALL BACK IT IS ALREADY A WEEK LATER.I AM SICK AND TIRED OF THIS BANK.I AM WORKING ON GOING TO A BANK THAT DESERVES MY BUSINESS.I THINK THEY ARE OVER CONFIDENT !!!!