********* and Dishonest behavior

I have been using FNB for more than 5 years and have always been impressed by their customer service but over the last few months they have disappointed me greatly. I was left stranded in a restaurant after my credit card declined because their auto payment for the card did not go off. I spoke to a consultant who assured me they will look into the matter. The next time I needed to make payment only the minimum amount went off even though only a month prior I spoke to a consultant who changed the payment method to Full Amount. I incurred interest because of their system error, and after I phoned MULTIPLE times to have the interest reversed they informed me it is my responsibility to check up on them. They admitted they made a mistake but will not refund me the money they wrongfully deducted from my account. I will not be recommending FNB anymore and I am in the process of finding a new bank that will operate in an ethical manner.