Service is useless and you get charged for their incompetence

I've been an FNB customer for almost 20 years, but their service has consistently gotten worse until I was just tired of paying R500 per month in account fees for a "private" account and getting nothing for it.

I requested to cancel my accounts on 15 April, after a lengthy chat session, during which you continually have to respond to ping messages or get disconnected, it was finally confirmed to me that my accounts had all been cancelled.

Today, 15 May, I get a notification that my account is overdrawn and I need to make a deposit. I log in and what do I see, my cheque account and credit card have not been cancelled.

I log on to the "secure chat" again to ask why my account has not been cancelled and firstly, the agent doesn't even know who I am - referring to me by a completely different name, but they inform me that i should have been notified that because of pending transactions (of which there were none) the account could not be closed.

This despite the fact that the previous agent had confirmed both closed. So now I must pay another R500 account fee in order for FNB to close my account, again.

When a company charges you for their incompetence, you know it's time...