Poor communication from Discovery bank about their accounts

I switched my bank account from Capitec to discovery . I sign up for a gold cheque account. This week I wanted to apply for a personal loan. I call Oldmutal and Capitec they both had approved amounts for me however,when I told them I’m banking with discovery bank. I was told they can’t process my application because discovery won’t approve their direct debit request.

My last call was to discovery to add a overdraft. They declined my application claiming I miss one payment this year for Woolworths.

When I done my 5 min sign up why didn’t discovery bank advise me they don’t have capacity to assist with outside banking systems?

This only means i add 3 credit checks on my profile this month which will reflect on my credit report for the next 12 months .