They had a massive screw-up on the 29th of July outage and double-debited tons of card transactions on the weekend after payday. They are only reversing those transactions now. I am sure a few clients might have wanted to know what was happening and why there was a delay, as it is the heaviest transaction period of the month.
FNB, in its entirety, suffers from an innovation burden. Its whole app ecosystem is a Frankenstein of half-good ideas and half-dying ideas.
To position themselves as innovative, they have launched too many services, these services seem brilliant initially, but over (sometimes a very short) time, support drops off for these products; they're never documented in help files, are poorly maintained, and they suck.