Loan declined after long-time FNB client

I have been a FNB client for many years. My husband and I are married IN community of property, we therefore use only one bank account. Both salaries go in that account. All debit orders and expenses goes of there. My son started to study this year and I wanted to apply for a student loan. I went to the branch. Waited 57 minutes, to be told it can only be app**** for online. I app**** online on 3 February 2025, where FNB says 24 hours and the money is in my bank. I received a sms saying I must email my payslips. I did. FNB did not respond. I called a week later, only to be told I need to send payslips. I did. FNB did not respond. I called days later, only to be told my application has been declined. The first time in 20 years that any application of mine has been declined, and that by my bank. The reason – my salary is paid in my husband’s account. It is OUR account. W use it together as all our income and expenses are done as ONE. Not two different individuals with each their own account as if married out of community of property. I explained it so nicely and properly on my email below. I asked if I can speak to a supervisor / manager and was told to go through complaints. Whereafter someone will get back to me. But I have to speak with a machine or online, not able to explain the situation. I have an excellent credit record. An excellent way of handling my bank accounts with FNB. Never FNB complain about my salary not being paid into an FNB account. As long as I pay my credit card, FNB is satisfied. Now that I need my bank to help with a loan for studies, I am treated as a ********?? Declined?? It this the way you treat your customers? Very disappointed. Will be closing my accounts with FNB before end of this month.