Poor customer service.

I had fussion account with FNB, personal loan, revolving and policies until 24 march 2022 when I've learned that my life cover is canceled, I then contacted them to my surprise that the entire account is blocked. They say they gave me notice in February, which I missed but funny I received a call from fnb telling me I am a good customer they want to upgrade my funeral cover. Why didnt they call too if they see problem with my account or request for me to visit nearby branch to attend to their notice if they see no action taken by me to attend to the notice they sent? I had to open another bank fast because my salary then bounced due to blocked account. I tried to find out why is my account blocked I was sent to different departments for just getting answer on why my account was blocked. For example at first they said it's FICA, when know I try to fix FICA, it's no longer FICA, it is RCS or SRC I can't remember when now trying to fix that, nope it's misconduct which misconduct I still don't know. I was assisted by the branch managers, I sent complain to fnb, nothing happened but they adviced if I am not happy I should contact Ombudsman. I did the feedback I got from ombuds was FNB is right, they have right to terminate relationship at any time. I still don't get it which misconduct is that. But funny thing is that they canceled all my policies, they blocked my account but they want me to pay them what I owe them. How must I pay if you blocked my account and again what is termination of relationship? Or does this mean we will only close policies you've been paying without paying you back what we've deducted but you must pay us what you owe us? After a month or so when I went to fnb to request for a statement, the consultant who was assisting me told me that the account (Fussion) is not blocked, what happening is that I can receive funds but I can't withdraw. Imagine. I used to get calls everyday from collections saying I must pay fnb. I was paying fnb religiously without default because I was receiving my salary there. So now I don't know what to do must I pay them what I owe them and start afresh with new policies with other companies and forget what I've already paid for fnb policies,?