After declining 75% back of my ****** money, they are not giving me a cent back

After my money was ****** by, most definitely, an employee of FNB, I was offered 75% of my money back which any logical person who works hard for their money will decline, I get a letter back this morning stating they will now not honour anything and I lost all the money taken from my account with the following excuses:

• An OTP was sent to the client’s registered cell-phone number to link the card to a digital wallet and the OTP was entered to authorize the linkage. The OTP is proof that the client compromised their detail and authorised said linkage. The client compromised a provisioning OTP. This OTP is used to link a card to another device. • Only one OTP is required to link a device. Further transactions will not require an OTP as transactions are done via digital wallet/contactless card. • Please be advised that the FNB Digital Wallet is a smart device -based payment service that allows the customer to make purchases by utilizing the Contactless Card functionality through their registered/linked device. • In order for the FNB Contactless Card transaction/s to be processed, a registered/linked device was used behind a secure login.

So this is all ridiculous for a few reasons. Firstly, I am working onboard a cruise ship since April. It is impossible for me to receive an OTP at sea which I can prove I was at during this theft.

Secondly, I have the phone and the card in my possession.

Thirdly, I have never had to use an OTP to take money from my Cheque aco****. You swipe, you enter your pin and the transaction takes place.

Lastly, FNB knew this was *****, they asked me if I want to report it and I said yes but their systems failed with 2 different error messages leaving me no choice but to report the card ******.

Then 2 cards were ordered to replace the one, when I complained about this, both cards were canceled.

The level of arrogance, incompetence and lack of ownership is shocking. I opened a case with the Ombudsman and will complain on every forum and warn everyone I know to change banks because nobody wants to be ****** twice in one instance, first from someone working for the bank and then from the bank themselves. And then a final blow, saying "oh well, you didn't want part of the money ****** so now you will get nothing"