SERVICE - LOGIC - NONEXISTENT

I have been declined an overdraft because I have too little debt!!!!!! What a ridiculous reason! Does this mean that FNB encourages clients to be in debt? Poor ethics for such a big bank!!!!! I'm seriously unhappy with the pathetic service that I have received. Firstly I had an overdraft - sent all the documents through and then was told they didn't have my documents - had a consultant call me and send me another person's documents - talk about information security!!!! Never heard from them again.

It's all good and well to deduct service fees from me every month. But where's the actual service.

The strange thing is, I had an overdraft and it was taken away (as well as my credit card amount reduced) without so much as a phone call informing me of what was happening. THIS IS INFURIATING!!!!

FNB needs better customer service. Even trying to close this account was a damn nightmare!!!!

I would appreciate help or assistance to close this account for good. There is no logic behind having an overdraft and now being told that i do not have enough debt!!!! That is just encouraging people to get into a bad financial situation!! is that what this bank stands for???