Loan processed without permission / proper validations

I went to a FNB branch in Sebokeng to enquire if I qualify for a loan. The consultant then inputted the information on to the system and the system indicated that I qualify for a R 100 000 loan.

The consultant then proceeded and accepted the loan without getting any consent / approval from me.

The system then processed the loan and the initiation fee and paid out the loan.

I disputed all of this because I only wanted to see how much I qualify for and the branch subsequently reversed the loan amount but not the initiation fee.

I was then advised that I need to come to the bank to reverse the initiation fee and this resulted in me missing work and using my leave days.

The branch did not advise me about the T and Cs of the loan or the repayment schedule but carried on and approved the loan without properly advising me or obtaining my approval. Furthermore, I did not sign any documentation or sign anything electronically, however, the loan was deposited into my account.

This is in contravention of the FAIS and NCA Act. Is your bank now promoting reckless trading by giving out credit without providing proper advice or obtaining approval from the customer?

Why am I being inconvenienced and why do I have to sacrifice my personal time to resolve this? I have missed work for three days because of insufficient training provided to your consultants.

I am very angry and disappointed in FNB.

Please help me resolve this telephonically as I cannot miss work anymore due to the consultant's recklessness.