Credit score ruined due to bank's ******* action ( COVID HOLIDAY PLAN ****)

Standard Bank just notified me per sms that they put my credit card on holiday plan. Im very upset. I did not apply for this and i dont want it. How can a Bank mess up your credit score like this without you even applying for this. Lots of ppl want the holiday plan and need it. But people who dont want it, gets approval without applying for it and their credit score is ruined. I have app**** for home loans with other banks and got declined due to Standard Bank applying the holiday plan on my business profile (done without permission or even an holiday application from my side). Now i need sort out the mess that the Bank caused. Im occuring additional expenses to phone the call centre and can't get hold of the right person (at call center) to sort out the mess they created in the first place. I wonder whats in it for Standard to ruin my profile and business profile with this. I hope the government or SARS audits them to check wheter covid tax relieve is applicable to them. THIS is ******* action from the bank. Please help.