The bank has to establish that you is you. (identity verification). They usually ask questions based on information from the credit report. If there are errors in that report, you will denied.

Couple of things:

- get copies of your credit report (www.annualcreditreport.com) and make sure the information in those is accurate.

- chexsystems (https://www.chexsystems.com/) is another one to check. If you had ever a bank account closed by a bank, they reported that here and will not allow you to open another account. You are deemed a high risk.