Shocking communication and penalised for incorrect information

<p>As a Client of FNB I have app**** for Credit card facilities a few times and my application was declined. Message response is always I have a current credit card with FNB. This is not so. i have called many times and I was told that I should apply again as the system will be updated. Application was declined again today and I was told that my credit card account is with collections. I told the Agent that I don't have a credit card or any outstanding payment. I made a call to Collections and I was asked to call Legal. The calls were dropped three times and I had to call back. Legal does not answer the calls and I am really frustrated.</p>