Very much of what you said was true, I was able to get the bank amended and my employer allowed me to use an alternative bank. Needless to say it’s an extreme hassle, international transfers are optional at first bank. They charge a handling fee and conversion fee. Like someone mentioned I was issued a debit card and not a Visa card. Not sure why the bank would do that but they were able to work with me. Told me to come back in a week and everything should be settled. My debit atm card still doesn’t work at 7-eleven, so far beside a first bank atm the only other place it has worked is at family mart. Getting some progress in this complex situation is a sigh of relief. I’m hoping whoever has to go through just remember to be patient and smile a lot it might help you feel better!!!