TCF National Bank Consumer Loan Complaint

TCF National Bank Consumer loan department,

Vehicle loan Shopping for a loan or lease New Jersey

I received a letter about non approval of loan application with these reasons ; ( 1 ) lack of recent installment accounts. ( 2 ) insufficient length of credit history. ( 3 ) lack of recent information on auto loans or lack of auto loans. It also included credit score -. When I called I was told it was denied because I got the loan elsewhere. How can they deny a loan and send a letter with above reasons? - was the credit agency listed.