Terrible Customer Service

FNB has the worst customer service, over the phone and also in the branch. My card is not working for online payments and I keep on receiving a message stating "Transaction declined as it is not allowed on your card. Please visit any FNB branch" so silly me I actually followed the instruction and went into the branch and not only was the first guy who "helped" me unhelpful but then the branch staff can't actually fix the problem, they too have to call the customer service centre, or rather they put you on the phone to talk to the call centre staff. I spent 17 mins on the phone 15 of those minutes were spent talking to 2 different people and the second tried to transfer me to a 3rd person, but that just rang and rang. Eventually I had to hang and go back to work with no resolution to my problem.