Worse Experience

I have been a loyal client for years with FNB but I experience bad service all the time if I cannot get through to them they just cannot assist me ,I hold on to long or few Rands go missing on my account this week was just the ultimate for me I always check my balances as I know there is always something happening on my account as there is always money going missing, but this time I just had it, on Saturday I saw my account was in a negative and wanted to know why, I went on the secure chat and was routed to 7 to 8 agents with no assistance I even called in myself spoke to Jessica and was holding on for almost 30 minute I dropped the call and never will the agents of FNB call anyone back,, Monday I called again and once again I no assistance , my account get debited with fees without my consent a loan was paid into my account without me even taking a loan with FNB I was charged interest for the loan that I didn't even take its saws as a DRC Loan but no funds is there and charges went off, up till now no agent can tell me what that is , FNB is ripping people off as this looks like ********** activities on my account, No one can help me but I have to pay for the charges I never gave authorization on as all my bank fees go off on the last day of the month this month it went off 20th so WHO is responsible for those fees , certainly not me as I never took out a loan as i am on debt review,