Account opened and funds transferred without any concent from the clien

I woke up today to realize that funds have been transferred from my credit card. Upon calling Fnb I was told that it was a telephonic banking transfer. I proceeded to wait on the line for a long time, to get told that a Fnb account is currently being opened for me as well. This is strange as I have never banked at Fnb before and have no intention of opening an acccount at this bank. As for the fund transfer they say they might find it and refund the funds as a banking app was used- but what about the inconvenience I have to go through, the cost of the call from an international line, as well as the penalty charges I’ll incur due to this negligent act.

The best of all- they won’t tell me where the account was opened, even though all my details were used.

This is totally unacceptable- I will be taking this matter further.