FNB Personal loans

I really have not have not had bad experiences in the past with FNB, but this is truly aggravating. I app**** for a personal loan with FNB, this month ahead of the festive season. One approved, I received messages from FNB that it was approved for 20k. I signed all contract, downloaded it, and then also received messages that it will be in my bank account shortly. This happened on the 15th of December. Two days later when I heard nothing, I used my banking app to enquire about why the funds hadn't been received yet. I was advised that it takes a few days and that I should be patient.

I then called and was told that I was in fact declined, which is not the messaging I had been receiving from FNB.

I then app**** again on the 19th of December, because I didn't trust the consultant I had spoken to. I app**** and was approved for 22k. I downloaded the contract again, and received an sms from FNB that my loan was approved again. To this day, I have not received a cent for loans I have app**** for, and have budgeted myself around.

I did not get information regarding these two loans in question.