FNB Credit Records

Today I'm once again a very unhappy customer. A week ago I wanted to increase my credit card limit with FNB/Discovery online. I've received a message from FNB and Discovery that I'm currently under Debt Counselling. This after I've cleared my record in 2015 already. In the time I've been cleared from 2015 till now, I've purchased a car, received my credit card and have a Mr Price account (with no problem of any of the companies where I've purchased). I know I've tried previously to get a cellphone/tablet from FNB, I've also tried to get an overdraft on my Cheque Account, with no luck. I want to know where does FNB and Discovery get their information from, as it must be from the same place. I've just done a Transunion report and I have nothing against my name. Please can I get answers to what I should do to get my name cleared with FNB?