billed for unwanted/unrequested service

FNB opened a credit card account out of their own accord on my behalf. I received an email requesting a copy of my ID and a few other details in order for them to actually open the account. I did not respond to this email, that is to say I never provided them with the information they requested to open the account. Somehow FNB went on their own and decided to open the account without any of that information, including without my permission. When I went in to the branch to collect my card - I was informed that the card has been cancelled. So the last couple of months I have been charged for a service that I have not and could not use - and which I never approved the bank to open in the first place. I have been a loyal FNB client for over a decade so I would not expect something like this to happen.