NEDBANK refuses EXCELLENT credit score

I have app**** for a consolidation loan at Nedbank and the system approved the loan. The credit application went to the credit assessor who then declined the loan due to low scoring. I have requested more information on the decline and feedback as I could not understand why they said I have a low credit score. As per Experian my score stands at 665 and at Transunion it is 683. According to both credit bureau's these are excellent scores. I do not any have any missed or unpaid debt, yet the Nedbank credit assessor feels I am not eligible for credit which their system approved. Nedbank provides no feedback, you just need to accept that your application is declined, not understanding or knowing where or how to improve to get credit from them. Even with an excellent scoring, Nedbank refuses credit.