More incompetence

I am receiving messages from the APP saying my credit card is in arrears. I have contacted FNB via secure chat. They are saying my account is not in arrears but no one can tell me why I cannot access the account and why I am getting the messages, I am being sent form pillar to post without any resolution. Why does the bank insist on employing staff who are not competent? Yolanda from Credit Card Arrears transferred me to Customer Services. For what??? Please resolve this ASAP.