Bad Customer Service

I have been a client with FNB for the past 15 years and recently I app**** for a Home Loan and I was declined, I went to SA Home Loans and got 100% approval up until today I do not know why I was declined. Further more recently I realized that I'm not earning ebucks for the life cover I have with FNB I went on to check my policy and what it entails I was suppose to up to 40% back in ebucks for my monthly premiums, so when I called FNB LIFE I was told that one of my beneficiaries which is my mother, her ID number does not appear on the system I issued it to the consultant I spoke to sometime in September, I was still not happy about this so I logged a complaint on my on line banking I received a call from a consultant on the same day or the following day I explained that I was not happy about this as I was never informed that if my beneficiaries ID number is not fully captured on your system I will not earn Ebucks there is telephone recordings about this I just cannot remember the consultants name. FNB is so quick to call clients and tell them about their new products but they cannot even pick up that one of their clients is not earning Ebucks due to an incomplete ID number, I feel that I have been ****** of my Ebucks for the past 2 years as now I'm being told that I will only start earning from the end of September or October, I feel that I should be back paid as this was not my fault as when I took out this policy I did not have the full ID number but I was told that the date of birth is fine in the beginning, every year FNB reviews their policies their clients have and I mean no one noticed that one of my beneficiaries ID number is incomplete and no one bothered to call me very *********** I must say.