HORRIBLE EXPERIENCE

I have been a client of the bank for more than 2 years. I app**** for a credit card and was declined for no clear reason,A representatvie called me and wanted to assist,i informed him that I bought a new car last month..how could another bank approve the application for a car If I did not have a clean credit history...he could not understand why it was declined and did a motivation for me. That was declined citing that I have a written Off debt for a car i paid off in 2016...they say the car was repossessed meanwhile the car is with me and was settled in 2016....Clearly they are looking for any reason not to approve my application...an i have been very loyal to this bank...maybe its time I change banks because this is not fair.....