Disappointed at a critical time

I have been banking with FNB for slightly over 3 months and they had never put a foot wrong. Everything was exemplary and efficient, up until last week: • I had a financial emergency and I app**** for an overdraft on my bank account on Saturday 30 November 2019 and I was approved same day online. Because I wasn’t sure if FNB would approve me, around this time, I app**** for a loan with Institution A (separate financial institution) which was also approved. • I then followed up on the overdraft on Monday or Tuesday (can’t remember) and I was told that they could see my online application was incomplete in the system, so the consultant said we should rather start a new application which we did. This was on 3 December. • I followed up on the 4 December and I was told that the second application (telephonic application) was approved and they sent me a quotation which I signed. I was told that I should expect the funds in my account the next day. • I then turned down the loan offer from Institution X because I preferred to keep all my financial issues with my bank. • I then waited for the 5th and no funds were deposited as advised. • On the 6th, I asked my personal banker for an update, she said all seemed well and that the facility just needed to be loaded. She sent an email to an individual called Thandeka. • Thandeka never responded, despite me sending her follow up inquiries on 2 occassions. • My personal was also unavailable all of a sudden. • I was following up every day and I grew weary because no one seemed to be able to help me out with my isuse. I was told to expect the funds any time once all verifications were done • Only today (10 December) I finally got fed up and asked to get telephonic explanation from someone who knows whats going on. • A lady called Tswanelo checked and told me that everything was successful but the funds would only be released with my next salary. • If that’s bank policy, fine, BUT they should have told me this from day 1. I needed the funds as an emergency and no one ever told me that this facility would be two weeks delayed otherwise I would have just gone with Institution A’s loan which I had already been approved for. Now my financial emergency has not been resolved and I am now stuck. Communication could have been better. I am disappointed and let down