Never owned a credit card.

My Fiance's father has never owned a credit card in his life, in 2015 they said he had a credit card and he owed money on the credit card, he went made an affidavit and had the standard bank forensics to look at the ***** that was taking place, never heard a word from them again, jump forward to 30 January 2018, we go to Standard bank to get his U-count rewards card, the lady that helped us asked us again about the credit card and a complaint or quarry was logged again.... now on the 8th of February 2018 he wants to get a loan and all the banks refuse him because of STANDARD BANKS negligence for not resolving the problem and they use the excuse that he should have followed up with standard bank and its not their problem and the lady helping us, makes a comment and say "just pay it" when if was **********ly obtained on his name. wonder if i will get a response to this