Loans Process is Broken

I app**** for a loan with African Bank who I have been banking with since last year. According to my TransUnion credit score, my income of more than 1M per year (excl +- 1.6 M in shares options) I should qualify for a mere R18000 loan, right?

Well.. First of all it was a nightmare of an experience, with the app which kept on requesting me to upload the same documents over and over again. The there was the consultant who gave me a call and gave me an email address, which I used but no docs attached to the application.

The finally, after 5 days, the docs finally went through. I went onto the app and completed the application. I furnished all details, and went on to do the DebiCheck process. The App kept on bombing out. I approved the DebiCheck on my FNB app, but it kept on saying outstand on the app. The app allowed me to open the contracts, credit life and other docs. I then completed the application on the app.

To my surprise, my application got rejected. When I called AfricanBank a few times, the consultant had absolutely no clue how the process work. She just said it went to the forensic department.

What is really frustrating me is that this will go as an enquiry on my credit profile and will have a negative impact on my score.

I also do not understand why the process took me all they way to accepting the offer and doing DebiCheck, while they knew they wouldn't eventually reject the whole thing. This is some really really bad business process design.