Disgusting customer service

I am really disgusting in the poor customer service from Capfin.They advertise as if they are wanting to assist people in obtaining loans but they are all about lies. I have app**** and even before i gave them the required docs they "declined me at this time". I mailed their customer service who rep**** saying I did not meet the minimum criteria. I am challenging them to advise me what was the minimum criteria they say I did not meet,But they are reluctant to disclose. Why?? What are they hiding. I am over 18years.I pay my accounts on time and I pay more than the minimum required.My credit score is 642. So....I ask them with tears in my eyes what is the specific minimum requirement that I did not meet.

I will follow up with the onbudsman as well as I feel they are playing people for fools..I want a copy of their so called minimum requirements as I cannot just accept somebody telling me I did not meet it if I know that I tick all the correct boxes.

I want answers.