Personal Loan Issue

I app**** for a personal loan last Tuesday and Wednesday(13Nov), and everything was approved. I also emailed all the necessary documents. When I called on Thursday, I was told nothing was missing and that the funds should be deposited into my account soon. However, as of today(18 Nov), I still haven't received anything. When I called again today, I was informed that I need to send a selfie. Why wasn't I notified about this earlier, either through a phone call or during my Thursday inquiry?