THE MOST WORST BANK TO BANK WITH!!!!!

I am highly frustrated and disgusted at the service given this account is causing a detrimental effect on my finances. I do not understand as to why this account is not sorted out this is absolutely unacceptable. I will be escalating this matter as this is now going on since I upgraded this stupid account. I can not afford to be paying bank charges of almost R700. who on earth does that???? i can not understand why this accounts states that you have exceeded your credit limited and it is not a overdraft account of a credit card. i have never in mylife had such terrible service every damn month this is the same issue. i will be taking this up with the banking ombudsman and further if possible. FNB's service has now become by far the worst bank to bank with!!!!! in all my years banking with FNB i have never had such issues. my online banking is not sorted the card that was issued was incorrect and took almost 3 months just for my surname to be corrected and now i must pay R700 in bank charges !!!!??? this is totally ridiculous!!!