Misleading

Nedbank has disappointed once again. It’s so sad that I have been banking with this bank for almost 10 years and have had countless issues throughout the years the one thing that has always kept me with them though was the fact that it’s actually such a mission to change banks having to update banking information with SARS, at work ect. So I just stuck with also with the thought that I was building a relationship with them. I was approved for a personal loan with Nedbank for the 1st time late last year and diligently paid up my loan on time each month. After paying off my personal loan I contacted Nedbank in order to see if I would be approved with another personal loan so that I could settle all of my other debts and only have the instalment with Nedbank coming off of my account but was promptly declined the consultant that was handling my application then suggested that I try and apply for a credit card as I might have a greater chance of being approved on that instead. I completed the application over the phone and was immediately declined again however the reason for the decline was unclear to me which I expressed to the consultant Lebogang he then said that he agrees that the reasoning is unclear and would lodge an appeal with the assessors and provide motivation for this decline to potentially be reconsidered. He advised that the appeal was lodged an hour later I received an email advising that the credit card was declined again I then emailed Lebogang to find out if the email that I had received regarding the decline was based on the appeal and the assessors decision he gave me a call back and advised me that they were declining me based on insufficient funds warning that was on my account for the 16th of October for an unsuccessful debit that had gone off of my account to which I rep**** that can’t be correct as all my debits go off on the 25th of each month and I asked that he reference the payment that he was referring to which he could not find himself he then said that he would further escalate this to the assessors that they were about to finish work so he would provide a response in the morning. I decided to call in this morning for feedback and reached another consultant who said that there was never an appeal lodged by Lebogang. Absolutely disappointing service, misleading even worse is that Nedbank has no loyalty to their customers