incompetence and passing the buck

Goodday on the 19 January I went to Nedbank to open a business account at sandton city I meet with a consultant by the name of Joggie he opens a business enabler account for me.I insist and ask that my clients neeed to start using the account to transact he assures me account is open I can start giving clients account to put money,he further informs that I can come to the bank on Thursday to pick up my card as he needs to send them for fica but Thursday I will get my card I go to bank on the 21 January time around 12:45 I meet with a consultant at counter 12 young indian lady she checks my account calls back office to ask if my documents have been submitted all this time there is a coloured lady next to her who deems to be her team leader supervisor,indian lady tells coloured lady my fica documents have not even been submitted,coloured lady reprimands indian lady as to why she is talking like that in front of client at this point I am utterly disgusted,I insists indian lady to call manager she calls coloured lady who informs me Joggie is standing in for Lloyd and there is not much they can do for me as they documents need to be submitted by Joggie.So disappointed.....