financing declined due to a credit card i dont own

i have been trying to apply for a personal loan with standard bank and i did the application online and got a call back from Nonhlanhla Mahlangu 5 requesting all documents necessary for the application which i sent on Tuesday 22 Sep 15 and she promised to call me back which never happened. i called again on Wed 23 Sep requesting feedback and i was told she would be alerted and would call me back, she never did. i called again today and was transferred to noloyiso sakhela, she requested additional documents which i sent to her and we started. to my shock she told me my application has been declined due to non payment for a credit card which i didn't apply for or own for that matter the card number is ***. i called the credit card division to inquire about this and the explanation i was given was they don't know how this credit card was opened and it would be closed immediately and the charges would be reversed the whole process would take up to 48hrs. My credit record will be dented as a result of this mistake by standard bank. i have to wait for probably another month before i can make an application again due to this error. how is this going to be rectified?