Accused of *****

I have had the worst service from FNB. I opened an account. Quick with delivering the cards but that's where it stops. I app**** for a personal loan and it was approved in principle. I received an sms to send my salary advice and bank statements, which I did. Then received another 3 sms's requesting that I submit bank statements. I had to call the loan department to find out what the progress was then when I spoke to an Agent "Brendon" he told me that I am listed for *****. He could not even give me a reason what *****. He told me to go to a police station and get a clearance certificate. I then called the South African ***** Prevention Services (SAFPS) and was not listed for *****. It is unacceptable to be accused of ***** and not even informing me why. I received a call from FNB and then I was told (after sending my bank statement 3 times and explaining why it was not on my name and that I have been receiving my salary in the account for 20 years) I could understand that I must have my own account that is why I opened this specific account, but being humiliated in accusing me of ***** was unacceptable. I have great credit references and being humiliated like this is unacceptable. I do monthly transfers from Std Bank to FNB which shows in the FNB after 24 hours. When requested what the problem is I get a message saying it takes 3 working days. How do I keep on doing business with such a bank?