TOILET EQUIVALENT SERVICE - FNB - HOW CAN WE FLUSH YOU?

Good day

Firstly i was debited two times and provided all communication to FNB to reverse the debit and refund me I get an email today to say that I must contact the merchant and provide proof, which part do you not understand that the merchant reps have not rep**** to any communication.

Please reverse my debit, you are not doing me a favor.

secondly i downgraded my account due to the toilet service I have received from you guys, no new card nothing.

Please fix these issues before I take my accounts and all the people who live in my house accounts to another bank who actually cares.