Poor service, no branch, no toll free number, BAD EXPERIENCE, Takes times to respond to emails and no sense of urgency

I would't advise anyone to trust this bank which has no branch with their money and no toll free line. My account was locked by them and had to call and spend money that I did't have because it was in my account. After 2 hours of airtime running out more than 4 times explaining 1 and the same thing to the customer service and ***** department. I was asked to give the exact amount including cents on my account which I could't access because it was locked. The lady told me to find a way to log in? Which is the reason why I was calling because I couldn't access it and was not given the reason why they locked it. I can't even visit a branch because it doesn't exist. The said I must call the following day after getting access???How can I know the exact amount what if money was debited or deposited???? Where do I go for assistance??? No where