Over and over again same Story!!

My Query still has not been solved....I have sent numerous emails to FNB where a consultant has been reaching our to me then retail loans calls me this morning i asked the lady to communicate with me via email she says she cant but how did someone communicate with me back then. This bank is full of excuses...So i want this Query solved immediately. My first problem is the Credit card i will make a partial payment as if FNB actually took Note i was unemployed then i got work and its PRO Rated Salary and i need to make sure my Needs are covered first. The Loans is scheduled to the wrong account where money comes off..that needs to be addressed by the bank. There was an consultant saying its my Job to change the account.No its the Banks Job. Secondly the Connects FNB Phones...Its also linked t wrong account where i deposit money only into the Main account and also i have sent numerous emails explaining to FNB i don't see why should i be paying the Samsung a12 when it was not my fault and yet when i wanted to collect phone at shop they Refused they literally asked me if i could pay half the courier. Which is Ridiculous since this bank rips you off with bank charges because i have a overdraft account and i have spoken to so many consultants to change dates when they take payments off but no they refuse to do so why ? because that's where they will Rip you off once account goes into minus that's when big chargers come and that's how FNB operates. And lastly I have waited for my Debit Order dispute refund since June and Still nothing yet because i expressed i left my Job FNB comes at you like wolves. That's how Money hungry they are. They clearly don't care about their Customers as they claim.