Poor customer service and total disregard for clients

FNB is seemingly starting to be a **** of a bank. The bank has total disregard for its clients and their service lately has been deteriorating and such an inconvenience to us as clients - it's like we are dealing with government department like home affairs. Their service is ********** really. I am disappointed that after several follow ups regarding the refund process following the settlement of my home loan the bank has still done nothing with my query. I think it's about time one has to consider switching to a bank that is competent, this is not acceptable. Poor, poor service and this is annoying and frustrating. FNB is nonsense and I dont know why I am still banking with them.