Shocking service and customer experience

I'm appalled by the service levels at FNB!! I settled both my credit card & a revolving loan on the 17th of September. I called to get settlement figures on this day. I have now been told there is an outstanding balance on the credit card and I have also been debited and charged interest on a R0.00 balance on the revolving loan. I have been told that a purchase made on the card on the 15th was not banked on that day but banked on the 17th. Surely when you call for a settlement figure, this figure takes into account any pending transactions due on the card!!!! Also, I only got told yesterday that it takes 45 working days to close the revolving loan, which I was at no point told on the call I made to get the settlement and close the account. I am so disappointed with FNB and the service levels I have received. I am now investigating another banking institution to move my accounts to that doesn't feel the need to be underhanded when dealing with their customers. I will also be taking this up with the Financial Services Ombudsman.