Approved or not

I submitted an online application for a smart device and received an sms and an email to say it was approved and digital planet would be in contact to arrange delivery etc. To my surprise when I call in it was actually declined due to criteria not met on my private bank deposits etc. My question or complaint would be why does your online system approve the deal as well as give you exactly what you cab spend and what is available to you. I have had 4 smart devices to date which have been A) paid on time and B) paid off before the 24month period. That says a lot about my payment history and as your client. Please review this as I went online again and it still approves the deal. so the fault lies with your systems but should that be your clients fault?