How can I not help you ?

So I had tried to apply for a overdraft on my cheque account today also note that this is the second time doing this..So it had yet been declined once again based on my credit score being low..Even though I had checked with transunion and my credit score is 872..So I call into the call centre and everytime their response is you need to go in to a branch..I don't get any joy and not also giving me a explanation I am fed up with your lack of customer service..I would like for someone to email me regarding this.I work in a call centre myself and I know what customer service is.Why is it that I cannot get a overdraft on my account ? According to me you are required to give me a reason when you are declining credit applications but mine however is not sufficient.I can also send you a copy of my score etc..Please email me do not call me..I cannot answer my phone.