not a happy fnb customer!!

Please could FNB explain to me why they have a temporary loan that you can take but once you have wasted time by the atm teller wanting to take the temporary loan it says that it cannot be processed,why offer something that is not working? I think FNB should up their game because I am getting very irritated with them as a bank because they always have issues and problems? If their bad service carries on like this I am moving to another bank,they are quick to phone you when they want you take things out they have to offer but when they must give offers to. Customer they lack completely. Not a happy customer fnb,not a happy customer!!