FNB: How can we NOT help you?

FNB: How can we NOT help you? I recently learned that I am a high risk client with FNB and as a result unable to apply for any credit! The FNB Consultant at one of your branches explained to me that this is because they require the settlement letters of my credit card, home loan and Wesbank loan that I closed between 2 and 5 years ago! Now all of these 'loans' falls under the FNB umbrella and therefore I fail to understand WHY I NEED TO EMAIL YOU THE SETTLEMENT LETTERS to update my risk profile when you have all the details within your own companies. I need my credit record to be (or risk profile) to be corrected, as I have not had ANY debt in the last 2-5 years (lucky me)!