Sounds more and more like a ****

I made an application for a loan on the 31st of August, a loan I was pre-approved for. They requested documents which I had to provide/resend thrice. Later they told me my offer is ready and I had to accept a Debi heck which I did. Just for them to tell me that my application is still under review. How is that possible? How can Debi checks be asked to be approved but your application is still under review. I was told they'll be in touch in 12 hours. I kept on checking and was sent another message to say my application is still under review to perform further assessments. I'm baffled. Why not perform these before making an offer, before asking for a Debi check to be approved to "complete the application" this is ridiculous.