FNB confusion ~ Approve to Decline in one day?!

I app**** for a personal loan through my “pre selected” option on online banking. I went through the process and received a message stating “Your personal loan has been approved. Once it has been verified the funds will be transferred into your account”. I also received a quotation email.

I went to an FNB branch to query my application as to when the funds would be available in my account. I spoke to one of the personal loan consultants via telephone and verified my account. The consultant informed me that my application has been declined ~ that after it was approved on my online banking. The reason was affordability. I chose an option that I know I can afford and besides that, even if I couldn’t afford the amount given to me why was it approved then declined? On the same day.

The email that I received stated that should the bank for any reason not be able to give me the amount I requested due to affordability, a smaller amount would be given.

However this is not the case and FNB has once again let me down. I have been a loyal customer since 2012.

Very disappointed customer