FnB WORST EXPERIENCE EVER

I have had the WORST experience from FnB. February 8 2019 I received a settlement letter from FnB with the accounts that are still outstanding. FnB gave me a 20%discount on 3 of those accounts. a year latter when I am trying to buy a house however it has come to light that i need to first pay off that 20% discount that FnB initially gave me as it is affecting my credit scoring. Now I've been sent from pillar to post regarding the settlement letter of those 3 accounts as i want to pay it off and be done once and for all with FnB and no one from FnB seems to be able to help me. I am so disappointed in FnB really i am this is the worst bank ever