My bank treats me like an ************* stranger, to spite spotless record from my side.

My bank since 2020, but they treat me like a stranger and cause difficulties that negatively effect my credit score.

During the last year and a half, I have had 3 short term loans with my bank. Two of which has been paid up and closed, without me ever missing a payment. Up until now I have been very impressed and grateful for the assistance I've received from my bank. But suddenly, this month they treat me with disregard and like a stranger.

First I receive an offer for a long term loan from FNB... Everything seemed like the loan was being approved.. I even went through the process of accepting the insurance to cover the loan. In the middle of the process, I receive an error on my FNB app and the whole transaction gets thrown out. Go in to the branch the next day, only to find the offer and the application disappeared, but they are willing to give me a short term loan of R3000. I didn't accept the offer at that moment, but after some further calculations and budgeting I decided to apply for the R3000. This after the disappointment of not getting the offered long term loan, which would have changed my life.

As mentioned.. I have had 3 other short term loans and all of them were for more than R3000.. and I never miss a payment.

Suddenly, for the R3000 loan, the bank demands proof of income and residence.. My income gets paid into my FNB account since I opened it in 2020.. They know me.. They know I pay, yet they make it suddenly difficult to get even a small loan of R3000.

So I try to send the documents via the app, but only end up with errors on the app and I am unable to upload the docs.. The next morning I go in to the branch in Randridge mall.. We manually print my bank statement.. One of the very staff of FNB email the statements to the loan department and I wait for response.

Next morning, I receive a message from FNB loans, that they want me to send in my docs????!!! After sending it from the branch, via one of their own employees, the day before.

Try to contact them.. They say they will call me back.. They never do.. I end up canceling the application after struggling for them to accept my proof of income.. even though my income goes directly into their own systems!

I wish that was the end of it, but now FNB even continue to block my efforts to get a loan from an outside company, by not allowing my debit order mandate to be approved by me.

I app**** for a loan from another company and was approved.. Yet every time we try to approve the debit order mandate, I get errors and difficulties on the app.. the transaction times out and it expires.

In the end I gave permission for the debit order, verbally on a recorded call.. That was yesterday.. For 3 days now I have had problems to do the most simple and necessary of banking transactions, which is approving a debit order on my account.

You may bank at FNB for years.. Yet they will still treat you like a stranger. Will FNB fix the consequences of this that I am going to have on my credit score??