Putrid customer service by FNB, as a private banker

I've done a vehicle and asset finance application which ended being rejected.

The problem is that prior and upon application, I found that FNB and their competitor had unfairly activated duplicate and historic accounts listed on ITC that heavy affacted my scoring and affordability.

Having the benefit of a private client, this information was disclosed to my banker for her input and action, along with the clearance letters from hese institutions_ inlcuding FNB. Motivation was done with Wesbank, but appearently still rejected.

Reasons were due to affordability, but when I referred her to my actual income/ expences, I was then informed that its due to 'my ITC score, and when I called ITC_ I was informed that I have an excellent score . Excellent score rooted from the updates and clearance of unfair and incorrect listing ( by FNB).

My concerns are, why was my application rejected and why was I not provided with the accurate information for the rejection? As it is now, I still dont know why my application was declined, yet I am being ifnormed to re-apply within 6 months. Yes, I had 2-3 late retail payments in March/ April purely because of deadlines_ but does this warrant a rejection fomr what I gather? On what grounds were my application rejected????