Multiple FNB Issues

Many months ago I noticed that my FNB card didn't always reflect a card swipe at a vendor until up to 3 weeks later, sporadically and not always at the same vendors. I contacted my private banker and also went into a branch to try and get this fixed but I was assured that it was working. <br> <br> It is not working. I am able to go far overdrawn on my account which has no overdraft facility because of this. It is already difficult for me to budget as it's not something I'm good at but this makes it impossible.<br> <br> FNB then gave me the option of a pre-approved temporary loan of R5k which I took out, I continued to <br> take this out once a month for many months as this loan creates a dependency on itself. But, unlike other companies where you credit score grows as you take out and pay back loans, at FNB taking out the loan actually LOWERS your credit score with them and without warning they take it away when you can least afford it. Instead of trying to work it out they insist that they will not allow me to take out the loan again (despite them allowing me to take it 2 times last month). <br> <br> This is completely ridiculous and I need it resolved with the ability to take out the loan now please.