FNB misleading customers

I am very angry at the way FNB treats there customers, i app**** for a loan on my fnb app and was given a amount i qualify for accepted and did the necessary that was asked of me to complete the application. i called the customer services to enquire how far the process was i was told it is incomplete and transferred to lifestyle loans that act on behalf of FNB the man called GIFT took my id number and without completing the application said it will be declined if i apply how does he know that?, and why FNB are you qualifying me for a loan just for it to be declined by GIFT your call centre agent, you are giving false impressions to your loyal customers, why am i even banking with FNB