HIGHLY DISGUSTED IN FNB REFUSING TO REIMBURSE ME

I went into a branch for an enquiry and was advised that I qualify for a personal loan which I declined as I did not want to be further in debt. The very next day I went onto the phone app to purchase electricity when I noticed that there was an amount of money in my account which I immediately transferred since the loan was paid out despite me not accepting it. The amount I transferred was the loan balance owing which included initiation fees which was transferred to clear the loan balance. I immediately went into the branch again where it was confirmed that I did not accept it, yet on line it says I did, but I know and two other sales consultants at the branch can confirm this. One of them then sent an email to escalations and since then ( 3 weeks later) still no one from FNB came back with feedback on this. I then called in and I was advised that because the loan is settled I cannot get the initiation fee back, but how can I want to be liable for fees I did not incur yet paid for, all I want is my initiation fee back since I did not accept the loan so why can they simply just not reimburse me, it does not belong to FNB so why must they refuse to pay me back.... I am going to take this matter further since this is totally unacceptable and I know my rights as a consumer... For people considering to switch to FNB best not to because they a bunch of *******, quick to take you money but slow to give you back what they owe you.... So what about the lost interest i could have earned had I invested that money ( a month's interest) will they even give me that back........