Service = beyond poor

<p>I am beyond dissatisfied with the poor service this bank delivers.Last month my loan was debited twice,only after sitting in a branch for more than a hour and writing a complaint on hello peter was I called and a consultant sincerely apologized for the poor service. (why should I always first write a complaint on hello peter before any action is taken?)And yet again this month the exact same thing happened. I cannot even pay my other obligations due to the high amount being debited. (My salary is R3100 and Fnb debits R2276.43)</p> <p>I phoned fnb on the 31st of March requesting a reversal and was told to wait 48-72hr for the funds to be reserved I've waited until today the 6th of April and have not received anything. My other obligations is due on the 7th and now due to fnb not delivering, my childrens school accounts and Vodacom account will be in arrears until I receive the funds back to be able to pay.Not only does this make me look like a bad payer it also affects my credit score (which im seriously trying to improve). This is exactly why I rather just disputed my loan myself in the past. Because I just never got help from fnb when I needed it. </p> <p>What must i do for this to stop happening monthly and receive better service?</p>