Leading of money

My wife was contacted by a call cent saying she qualified for a loan, she went to the bank and filled in all the documents received the bank card and said that the loan was approved, the next day she had to go in and fill in a new loan agreement which she did and this one was also approved, then the next day she had to go in again and fill in a new loan form got a new card and said everything was approved, and again the next day everything was thrown out again, I'd like to no why approve a loan then just throw it back and that three times, and every time you as lender makes a promise and then you have to go back on your word again, I think that is very bad work ethic and I hope people stop going to African Bank I no ill never go back