Appalling service from ABSA Home Loans

I recently made an application with ABSA Home Loans and had the most appalling service especially considering the recent spike in profiling allegations against major banks which I strongly feel is the case here. I initially and successfully did an application on ABSA's home loan estimator, receiving an approval certificate for the required amount. I then proceeded to make a formal application, with the signed OTP and required documents which was also approved for the required amount, pending the evaluation of the property. An independent property evaluator was dispatched and he found the property to be at the requested value amount as there are renovations and upgrades done on the property as well such as the house being fully walled, all round paving, kitchen and even two outside dwellings with a full bathroom. Then ABSA's internal evaluator, without even visiting the premises, valued the property at way less than what was requested, basically moving the goal post. And therefore deeming the application not useful to me. So why do I see this as not only unprincipled but as profiling as well (I also omitted to populate the field that asked what ethnic group I belong to as well)? As a black, middle class individual, it is extremely difficult and takes effort to keep a good credit record as I do not qualify for an RDP houes, do not fall in a class that can buy a house cash or put down a significant deposit. I have paid my dues by maintaining a good record, I have had 2 vehicles financed by ABSA (happy to let me have a value depreciating asset and not property) and settled early and have been banking with them for years. I feel that a glass ceiling has now been put in place as a preventative measure. I have been approved, but ABSA is not willing to pay that amount for the property in that particular area, without even visiting the place. The agent I spoke to, a Joylen Murwira was not helpful either, as she didn't have clear information as to how this evaluation by ABSA was done and I couldn't speak to the person who did the evaluation myself to inquire. All she kept saying was, "should I continue with the offer or should I pull it?" The nerve, as though you are doing me a favour?? To add insult to injury, this morning I get a call to give a rating on the service I received, the minute the lady realized that I was an unhappy camper and ready to rate ABSA ZERO across the board, she quickly hung up and never called back. Clearly they don't even want to get real feedback. Even the one star I gave here is not deserved, it was only so that I could continue and be able to type this review. If I do get a response from ABSA, I would like to know the following with regards to the criteria they used to determine the property value as these vital aspects of property evaluation seem to have been dismissed. What is the ERF of the property? What is the ERF of the house? Even though I have mentioned the upgrades on the property above, are they aware of them and to what extent were they considered? I would preferably like to get the response from the person who did the evaluation and not Joylen Murwira!!!! Ref - ********** 7154