NOT SATISFIED AT ALL

Yesterday I wanted to make a loan at the bank and the lady informed me that it was declined due to affordability, I ask her how can that be as e worked out my budget and it seems to be affordable, I'm a client for many years and not ever was my loans declined as I have a good credit record. The lady said in Dec I swiped my card and there was no funds available so I informed her that this happened the whole of Dec, I receive an sms but say 2 or 3 days then my account will be in a minus, then I deposit money directly in order to avoid the minus, then she said I was use my debit card to swipe, how was I suppose to know this. This is very unfair why do you receive an sms and the next minute it never went off. I'm very frustrated as I need a loan now I cant qualify, this is unacceptable. I always leave enough money in my account to maintain my scoring, but now I am prejudice. I need this to resolve as quickly as possible.