Worst bank ever

I’ve had the worst experience ever with fnb this year alone. Their service is extremely poor & they will always tell you to wait for 48 hours (that 48hrs is 1 to 2 full weeks by the way). Just now, I thought I was doing a good thing by depositing money to my personal loan, because I wanted to finish paying it off. I payed the money but they still deducted the money when it was time to deduct, which was not a problem because they had already sent out debit orders when I paid. But now, I wrote to them countless times about a refund because loan is now paid off, they are still sending me left right and centre and my money is still not in my account after 2 goddam weeks.