Very poor customer service

I really do not see the point in FNB offering a secure chat when they are unable to assist and then they refer you to a private banker that also does not exist, the bankers are either changed more often than I have a Hair cut or they are on leave. I have the following problems that cannot be resolved . 1. sent a request to be removed from private banking and to have my account downgraded to the lowest package possible as I still have facilities I am paying off. To date I have not received confirmation and I am still paying the banks charges for private wealth accounts. 2. I have a private wealth credit card with a zero limit, I put in some funds there and I have requested for this to be closed and the funds to be returned to one of my accounts, however the online banking system keeps giving me errors and this account cannot be closed as yet. 3. I paid off my revolving loan facility and selected the option to close the account online, there was a fee deducted from my account and after 2 weeks I checked the account and it showed me a zero Balance owing and an available Balance, assuming that I had over paid , I transferred the available balance back and now the account is active. Why can’t the bank follow a simple request. 4. I had requested my overdraft facility to be reduced mostly by a fixed amount and now I would like to remove that request and manually reduce it so I can clear the facility faster , but once again the website has issues. I need these things fixed so I can move head and not have issues with my banking.