Pathetic Service

<p>Pathetic Service I am experiencing with my FNB credit card, my account is in areas due to the poor service you have, this started in April when the debt never went off as it supposed to, why I don't know. Then in my I got an sms telling me that my account is areas I ignored it knowing that theyes is no way that I could be areas cause i know that I have a positive balance in my bank account. On the 19th my decided to go online, that's when I noticed that my credit card didn't go of in April, I then took my time and airtime to call FNB to find out what happened, only to find a pathetic answer from they call centre agent that my cycle has changed when I changed my debit date, which I didn't understand how is that when I last changed my debit date last year and they have been debating since last year on that date, I then asked the agent to do a resub for the month of April, she advised that they can not do a resub. Because the installment for May has been send out so meaning it be a debit for April and May, which I advised that is fine then since you put it that way including the penalty fee for April that I now have to pay even though it was not my fault, I then asked that are you sure that they wont be any any surprises or any money going of my account before the 25th of May, answer from the agent "yes", guess what on the 20th of May they go into my account the debit an ***x amount, I go and I reverse that amount, reason is that I never made an agreement to be debited on the 20th and the debit an incorrect amount from what was to be debited. Now I am expecting for the debit to go on the 25th of May as per agreement, nothing happens again I called the call center again could get explanation to what's happening with my account. On the 31st of May I even went to the bank made a call to the credit card departmento I was on a call up to an hour being transferred from one agent to other, were one agent advice me that they had a system error in April that's why the debits never went off, they never adviced that they having a system error and if so how is my problem that they had a system error, and now my account is in areas of R841.00 that I have to pay because of they incompetence, all this is massing my credit score. I am still waiting for call they FNB as per the agent that escalated the query to they Admin. My question is, is it fair for me to pay for FNB incompetence . They calls are recorded they must pull the calls and listen to my query please but I am not going to pay for those charges. </p>