unhappy with the service

I have app**** for a joint bond with my husband through Nedbank . We both bank with Nedbank and the feedback we get is totally unacceptable. They have declined our application due to affordability . We have closed all personal loans and reduced all our debt. Standard bank has approved us but Nedbank will not even advise on what is reflecting on their side. I am told to contact the OOba consultant. I bank with Nedbank and you are not able to provide good advise or assist . I would rather change all my accounts to standard bank