Poor services

FNB contacted me offering an upgrade of my accidental death cover to a life cover. They stated the life cover will automatically replace the other will a slightly higher premium. Instead my 2 separate bank accounts were debited for the 2. When I reconsidered the life cover, I felt it had less benefits that and sent several emails from the 3rd December with no response. Today I get a call from cancellations and transferred to services. The call rings and then silence on the other side while minutes keep counting. They also sold my mother and I the law on call policy which when you need help, you can't get. FNB is starting to rank lower compared to other banks in my experience. Be careful what they sell you.