Application nightmare...

FNB salesperson continously phones to upgrade your account, it gets done and delivered in 3 days... Which is good... But only for FNB's benefit. I have been trying since the 15th of october to get an application right, with no success, attitude from the app messaging services consultants and never any feedback majority of the time through the entire application process unless I phone or contact first through the messaging service or via phone call. .. Summary: 15/10 to 16/10 - Fnb app pre approval process started and app bombs out at the end of the process. Gave up and waited to go in to a branch

17/10 Went to Lambton Branch and was assisted by Milli, very friendly and very helpful. Was told the application was approved, I even approved the first debicheck mandate and was told that I would need to wait for the second mandate to be approved, I expected it to only be available the following week as it was friday already. (account already showing on my app)

22/10 Still no answer and no mandate, I contacted FNB through the fnb app and spoke to a consultant throught the virtual chat - was told that application escalated to applications team, feedback to follow in 24-48 hours.

23/10 A little impatient as I had something planned based on the account being approved, just wanted to do a follow up - again through virtual chat - answer: income validation was done, rescore was required due to an error on initial application at the branch - gave go ahead to recapture application and I forwarded required docs needed.

27/10 Between 23/10 and 27/10 recieved multiple calls again for recapture which I gave approval for every time - so 27/10 still no feedback, went to virtual chat again for feedback - informed mandate was cancelled and again a recapture would be required.

29/10 Again no feedback so I went back to virtual chat and same consultant that assisted me on 27/10 assisted me today but had a bit of an attitude with handling my request. Was also informed that my docs that were needed on the 23/10 were only processed today - to which I was informed the whole process was now suddenly declined. During the process of trying to recapture yet again, I was informed by the agent that they couldn't provide me with a turn-around time. While dealing with the agent with an attitude my application went from approved on 17/10 to now suddenly being declined with the agent not fully answering my question and even giving a remark saying I was always declining recaptures, and that "its called a recapture".

So long story short I need to redo the entire application, was told its going to mess with my credit score and now im sitting with an account thats probably going to be charged but is declined. If I have to redo the entire process all over again then I might as well go to a different bank...