Pathetic service from FNB

Good day, I would like to warn fellow FNB customers, be very careful what you click on, on the banking app. I checked out a personal loan offer from FNB. I declined the offer, even after declining they went ahead and added a debit mandate to my cheque account, I declined it twice, they went ahead and added the debit mandate anyway. I then contacted them telephonically and via the secure chat and on both occasions were told not to worry they don't see anything added on my profile, I can just ignore it. Low and behold this morning a loan amount I did not agree to gets paid to my account. Cost me banking fees to transfer money back to the loan account, and the account is till open as they added an initiation fee which apparently will be waived but still remains to be seen. Further my credit card was settled on the 4th of June.....In my mind I thought paid up means just that but apparently not, they still charge you interest even after you pay your credit card in full apparently for the previous period's transactions. Settled doesn't mean settled. Pathetic I wish I could give them 0 starts.