FNB BAD CUSTOMER SERVICE!!! DONT JOIN FNB!

I was approved via a debi mandate for a big personal loan amount in the Herm**** branch with SWITCH MY CREDIT. The money didnt reflect in my account after 2 days. I phoned them and they said feedback will be given in 2 working days. I got an sms to say it was declined. WHY???Which is,very confusing and annoying to see. Another problem with fnb. Will it ever stop???Why pre approve me? Why approve my application with a debi mandate? I was handled unprofessionaly with my application in the branch!!! Not even online or over the phone. There you can expect technical problems . NOT IN THE BRANCH!!! They could have informed me in the branch that there is two debimandates. I would definitely not have agreed with them!!! I have a history with fnb loans and never have I had to accept 2 debi mandates with my previous loans. Now they have lowered the amount to R3000. Without informing me. Can they at least communicate with me before making any changes that I dont know about. Why cant they keep to the outcome they gave in the first place. VERY FRUSTRATING ,ANNOYING AND DISSAPOINTING!!! Cleatly as a client of fnb I had POSITIVE EXPERIENCE!!! Just having NUMEROUS PROBLEMS WITH FNB BANK THE PAST FEW MONTHS. I thought FINALLY I am getting some positive service from fnb when they approved the big amount loan . Just to get disappointed and annoyed AGAIN!!! BAD SERVICE. BAD CUSTOMER CARE. ANOTHER DISSAPOINTING EXPERIENCE!!! Be clever and dont join FNB!!!