Why was I denied opening a checking account?

I currently have a checking account with a bank that charges for checks. I found a bank that will not charge me for checks and applied for an account. I was denied. I have never been denied before. I applied online. After entering my personal info they told me I had a mortgage in my name and needed me to verify the broker. I don't have a mortgage. They said I have a car loan. I don't have a car loan. They said I have a monthly installment account. I don't even know what that is. Did someone steel my identity? Or are these normal questions to protect my identity? Should I be worried?