Confusing and terrible service

I app**** for a loan online on 04/11/2019 which was approved. On 05/11/2019 a lady gave me a call and we did checks etc and the loan was approved again. I was indtructed to send through 3 months bank statements, 3 months payslips, copy of my ID and proof of residence which I did. On 06/11/2019 I gave Standard Bank a call to find out what was happening and they informed me that they are going through the documents and they will get back to me. !7:20 that evening I received an e-mail from Standard Bank stating that in order to complete the application I need to visit a branch with my ID and proof of residence. On 07/11/2019 I received a call from a lady stating that my funds had been released by mistake and that I should return the funds as soon as they reflect in my account and apply for a new loan.... Something does not seem right about this entire situation.

If this is not Standard Bank requesting the money be returned and I do pay it into the account given I will lose all the money.

If this is in fact Standard Bank requesting this, I have some MAJOR concerns. In order for me to return the funds: I will need to go to the bank, thus I will need to take unpaid leave for 1 - 3 hours - I LOSE MONEY FOR YOUR MISTAKE. I will drive out my fuel to get to the bank - I LOSE MONEY FOR YOUR MISTAKE. Banking costs will arise for the money going in and out - I LOSE MONEY FOR YOUR MISTAKE Then I need to apply AGAIN for a loan. 1. ANOTHER APPLICATION = LOWER CREDIT RATING. 2. ANOTHER APPLICATION = 3 MORE DAYS OF WAITING.

Then probably my biggest concern is the fact that as soon as the money reflects in my account there are debit orders that will be deducted from the money and I will be held responsible for this, even though this is YOUR MISTAKE!!!