Nedbank slowest and most unprofessional bank in South Africa

Nedbank is surely the slowest bank in South Africa as they speedily approved my readvance bond online application submitted on Saturday 13 September 2025 on Monday, 15 September 2025, but then went to sleep as I have to date on Friday, 24 October 2025 not been able to access any funds despite jumping through all the hoops they presented from post approval of the readvance to date. I was asked to go to a branch to fill out forms at a branch of my choice to which tje online documents would be sent only to hear that tje branch can't find my forms- I personally phoned the online section for assistance. I was told to.open an account by downloading their app but this could not be done as it required physical bank cards. When I wnt into the same branch I was told that I did not exist as a client despite taking out a bond with them around 40 years ago and which account I had kept open. They eventually found my records. After the account was opened, they could not link the bond account to the app as the bond was joint between my wife and I. Apparently our respective CIS numbers had to be merged and which has not happened to date. Im sitting in the branch since 08h30 and now at 10am I've been told that the CIS merger has been completed and sent to the branch manager who post review will send it to someone else seemingly outside of the branch. I was told to wait at least 3 working days for the bond account to reflect in the app but also that I can check after an hour! I am surprised at this turn of events as I have been in contact with the Nedbank online consultants who informed me that the merging can only be completed inside the branch. The online consultants also told me that the branch had been trying to hold of me telephonically and unsuccessfully due to Truecalle and which I dutifully switched off but still received no call. Today the branch consultant said he would email me, but why not before today? Today I had to provide my thumbprint 3 times and allow photos to be taken so they seemingly need me present to do the merger but I was not informed? Nedbank seems to be the only bank in South Africa who can't reach me telephonically! I visited the branch 3 weeks ago but left after waiting for 2hrs, but with the understanding that i was still the next customer to be asdisted amd which would happen through a phone csll- still waiting.When I was approved the readvance I committed to a service provider to do renovations to my house but in the absence of the Nedbank funds being made available, had to take out a loan elsewhere. How disappointing! Surely the slowest, unprofessional non- customer centric bank in South Africa! By the way, I'm a senior citizen on pension who had to invest time and effort and expensive petrol, data and airtime on this "project"!