Complete Incompetence!!!

<p>I have now had it with the incompetence at FNB.</p> <p> </p> <p>From not coming back to me with previous complaints, to the complete ineptitude of the Premier Banking call centre agents and in-branch consultants, I am completely fed-up!</p> <p> </p> <p>I app**** for a RCP loan in November at Stellenbosch main branch which was immidiatly declined. No answer was given as to why as no one knew. ITC was clear and affordability was fine. Apply again a month later with FNB Premier as I was told and expecting a diffirent result... Declined again, no explination given and again urged to try again in the new year. Try again at end of January, same ****** thing! Double check my Transunion, XDS, Experian and Compuscan. No signs of bad account conduct, in fact completely the opposite. From then on the only way for anybody to assist me with my queries as to why, is met with a we dont know, and the only way to check is to do another application.</p> <p> </p> <p>ON 20/03/2017 I was told credit manager doesn't know whats wrong, but suggests we do another app and see what happens. It was declined, but the feedback this time was....but sir, you used to be under debt review?!?!?! Contact FNB debt review and receive an email that they have no record of it. So where in the hell did premier get that information?! "Super secret FNB credit report"? From then on the explination has just gotten more off base. From completely changing previous statements, to making up new ones. Affordability assesment means nothing, we look at the balance at the end of the month only and we don't consider whether its transfers and/or discretionery spending...All I can say to that is ***!</p> <p> </p> <p>Then today 22/03/2017 after another "try" as per the advice of the premier suite, and several complaints, I get a call from premier to say they can try for a personal loan (as per the preceeding monday's conversation) as the credit manager (I was told it was forwarded to the person who deals with my area and account - it was not) has said she cant see anything wrong. I explain in detail that I don't have a problem with that as long as they don't do another ITC check as they have an up to date one from Monday. To my recolection I never said do an app, as if I did i would have stayed on the line as is the norm. ANOTHER DAMN APP WAS DONE!! Contact the credit manager directly, only to be told she (Leila Abrahams) has never before seen my account!! Contact FNB Premier, only to be told that they use a diffirent credit manager, and the only way for him to check it to do ANOTHER APP!!!!!! How in the hell?!?!</p> <p> </p> <p>So not only is FNB refusing to help me and give clear answers and just blatently lying to me, their own incompetence is lowering my score with them, as well as with other providers (Each app reflects on ITC - and this is now given as the main contributor to being declined) So they have not only put me in a position where they won't supply me with credit, they have effectively locked me out of approaching anyone else as well! Big Round of applause for FNB. Congratualations.</p> <p> </p> <p>Premier banking is supposed to give sound advice. Against my better judgement I listen and follow their advice. FNB employees outside of Premier, have admitted that what they have done is wrong, but oh sorry sir, even though its our fault, we cant do anything for you. Sucks to be you please try again in 6 months!!</p> <p> </p> <p>I insist that FNB now sort this out immidiatly! They will notify the credit bureaus that all the apps since November have been error and have them REMOVED from Transunion, Compuscan, XDS and Experian. DONT TELL ME IT CANT BE DONE!</p> <p>FNB will answer all my previous queries with the detail I have requested as well as this one. They will ensure I get a straight answer as to where the alligation that I was under debt review comes from! They will ensure that the credit bureaus are updated as per one of my previous complaints with regards to credit card activity! Do not email me! Phone me! Do not lie to me again! Do provide with accurate information and explinations as to the way forward. And I insist on an apology for having staff assist people with insufficient knowledge and training.</p> <p> </p> <p>My patience has now run out! Get back to me A.S.A.P!</p>