African bank false sms to clients

Service by agent was extremely good. BUT there is a catch. African bank lures people to do a loan application by sending them an sms stating that a loan of R250 000 has been pre approved. Only to inform the applicant once they contact African bank that they will do the application and get back with an offer. African bank do a hard enquiry on the persons credit check at the credit bureau affecting the clients credit score and disabling that person for n period of time to apply for ANY credit. They then call back with a ridiculous offer. The sms send by African bank generates high hope with clients only to find that it is not the case. Crippling the consumers credit score.