Unacceptable

I did a credit application at the FNB branch on Tuesday the 21st Dec,I signed the agreement and approved the Debi check mandate on my app.The following day the funds never paid out to which I called in and was told it was declined by the agent on the phone. I then went back into the branch to which the consultant told me I was downscored by a R1000 . He then did the application with the new amount I was downscored to. I then again signed a new agreement and approved a new Debi check Weds the 22nd Dec. Today the 23rd the funds still haven't paid out. I've been calling your call centre all day .My last call got cut which was not due to airtime and the agent never returned my call. This is unacceptable. Your credit application process is really gruesome and creates anxiety . It's dragging at capitec they pay out instantly. I am not impressed. I have to call in and follow up all the time. Since Tuesday I have not received no communication or a single sms from FNB.