just for wanting to upgrade/open an account

Why is it a big thing opening a cheque account with FNB? 1. My account applicatiin was declined with no apprent reason. So I phoned FNB cheque queries and the lady advised that she cannot upgrade the account and is not too sure why,and then advised that she will escalate the matter to cheque account for resolution. I have since received no response whatsoever. I even went on to complain on your fb page and an) Jacobs sent me an email stating my query has been forwarded to the correct department for resolution, and I have since received no communication in this regard, I even proceeded and sent a follow up email to) Jacobs but got no reply. Having a cheque account will be beneficial to me as it will ensure that I don't pay too much money in fees and have a much better access when it comes to the number of free atm withdrawals that come with it. Smart account is on the other hand very limited and as a result I may be subjected to paying more in monthly fees. Can somebody please advise why its a hustle? I mean at first I used to be under debt review, and am no longer under that as a result should be penalised for opening an account. Please assist. Its very frustrating.