Dont switch to FNB

I've recently switched from StandardBank to FNB and I'm regretting this decision every second since then. Somehow there credit agreements against my name that no one knows about, so now I can't apply anywhere for an account. The branches says I have to resolve this on my own, and nothing can be done over the phone. If I do phone, I'm advised to go into the bank to resolve this and if I do go into the bank, the staff gets this blank expression and helps me in such n poor manner that it feels like that they have to be somewhere else. The online credit check (TransUnion Credit Report) doesn't reflect this amount, my debit orders don't reflect this amount, so why is this amount shown on my name at FNB. I will be switching my salary back to StandardBank.