Private Clients is such a disaster!!

Not even one week at FNB Private Clients and I’m considering closing my account!!! - Consultant who was assigned to me at first has a 0 banking relationship with me. - Overdraft issues started it as my previous overdraft from premier banking was not cancelled for my new private clients overdraft so I’m sitting with an overdraft which was done while at premier but I’m banking with private clients and lost out on my overdraft that I qualified at private clients as it was cancelled when the premier overdraft triggered. - Three credit card applications done on my name (two which I wasn’t informed about which sucks as it damages my fico score). I only found that out when I spent around 37 minutes on the phone with credit card division. Approved in principle for Private clients R29200 and Premier R55000 and these two applications closed without reason and a third gold card application declined due to affordability but FNB didn’t even assess my disposable income , credit bureau commitments and living expenses . Can someone tell me what the hell is going on there as I’m tired of speaking to different consultants when I’m suppose to have a private banker!! Honestly, FNB is a good bank but certain staff give you guys a rotten name.