USELESS BANKING

I have never in my entire life been so dissappointed in a bank like I have been in Standard bank the past couple of days. So my husband and I app**** for a home loan and guess what, my bank who is standard bank comes back and says that it was declined because my ITC scoring was low. Yes, it was low because *********** Standard bank, who was suppose to close my credit card account in 2014 NEVER DID. Credit card has been closed but guess what, not once did Standard bank take responsibility for their mistake in all of this. Then my account was sent to arbitration and guess what DECLINED AGAIN. Because now, all of a sudden my access account is in arrears. But i have statements which shows the R4382.99 goes out of my account every single month. I am so over this bank. Prestige banking, for what? Every single person at this bank is useless. My credit score is most probably really messed up right now, due to this banks inability to deliver good service.