FNB credit card

I once opened a savings account at FNB 2019. And stopped using it after few months cos I didn't have funds. To my surprise the FNB account was still active and worse part also a credit card was approved without my knowledge. When I did my research the credit card was said to be opened online and approved online early 2020. I found out November that I have credit card n also credit was taken from that card when I received a letter from post office. The first thing I did was to go to police station of which they said they can't deal with it only FNB can deal with it after I did affidavit with them. After living the police station I went to FNB and the agents didn't want to deal with it as it would show at the system that they also once searched the information for me. They just gave me their phone to use so I can call ***** department. I called ***** department but I never got answers I want. Seems like everyone I wanted assistance from didn't want to be part of my case. So its 2024 and still haven't got help from them even now and it's affecting my credit score. I mean I was just a student those days. My question is how did my name even qualify for such big loans. Don't they need proof of income? I still require answers from FNB for reckless lending