Getting a simple answer for a personal loan decline seems impossible from FNB

I am so close to closing all my accounts with FNB. I have been trying to apply for a personal loan or a credit limit increase or an overdraft. This morning on the FNB app (which does not allow you to change your living expenses at all) I received confirmation that my loan has been approved, so I made arrangements with the thought that I will have the money by tomorrow. I phoned FNB 3 hours later to find out when I can expect the money just to hear that it is pending decline. Been trying for more than an hour to find out why, I spoke to about 10 different people, where the phoned was dropped in my ear with about 5 of those calls and the others were transferred to another department. Out of the 10 people I received 10 different reasons as to why my credit applications are being declined. The last one was that I have not comp**** with the credit bureau but from my knowledge I am far ahead on most of my payments, I always pay more than necessary except on my vehicle, but when asking them what exactly am I not complying with I get the answer "we cannot see, I am only telling you what I see on my system, but I can put you through to someone who will be able to assist you" only to get transferred to yet another person who eventually tells me that they are not at all able to tell my why I am getting that error. How should I know how to fix something if my own bank can't even give me a straight answer on what is wrong??? Every time you talk to FNB's call center and you talk to more that one person you will defiantly receive different answers and this is nonsense. They are all working for the same place so why are they all giving different answers?!? I am so frustrated and I still do not have a clear answer as to why my application is being declined!