Overdraft application

I am trying to apply for an overdraft facility on the App but I get an error message that there is a pending matter and I need to visit my branch. Which pending matter is it? I had an overdraft facility for maybe three months sometime last year and paid it off. Why is the error message so vake? There is no convinience in having an app and being a prestige banker if I have to constantly go to a branch to get clarity or assistance. I wish I understood what the pending matter is. Is it affordability or what? Please try to make our banking experience as efficient and effortless as possible.