Google Play Store Application is Rejected Saying : " Not adhering to Permissions policy"

The application got rejected saying: "Not adhering to Permissions policy" not giving any particular reason as of why it has been rejected but received a mail saying

Action required: Provide instructions for app access Here’s what to do to help get your app back on Google Play:

1. Provide access details for your app using the instructions described in this Play Console Help Center article under the “App Access” section. If your app typically requires a 2-Step Verification code or One Time Password, please provide us with reusable login credentials that do not expire through the Google Play Console. If your login credentials are not numeric or alphanumeric (for example, QR code, barcode), please generate a static URL and upload it to the Google Play Console.
2. Resubmit your app for review after double checking that it is compliant with the Developer Program Policies, including the Play Console Requirements. If your Update status is ‘Ready to send for review’, or if your Publishing overview has a section for ‘Changes ready to send for review’, then you must click ‘Send for review’ from the Publishing overview page to submit your changes for review. Note: You can complete these steps without contacting our policy support team.

But since the application is a Banking application which requires the user to be registered with the bank and hold a Account in the same bank to be able to Login, we are unable to provide credentials. (Have already sent a appeal to play store saying the same but was asked to send login credentials none the less, and we have uploaded multiple app which was accepted by play store before, but this issue started occurring from December)

Can anybody give me a solution to this?

Open Play Console and go to the App content page (Policy > App content). Under "App access," select Start. Note: If you’ve previously added instructions for app access and you want to make changes, you’ll see and select Manage instead of Start. Click + Add new instructions and provide your access details. Note: Use the "Any other instructions" field to let us know if there’s anything special about your login mechanisms, such as using a one-time password, multi-factor authentication, or logins with more than two fields. Save your changes.

This for point (1)

Point (2) Are you track user location at the background