***** claim rejected by FNB after my account was hacked

My account was hacked on the 6th of January 2026. All the money from my savings accounts and business accounts was transferred to my check account. From there the *****sters proceeded to make purchases at various merchants using all funds available using a device they were able to link to my account somehow. This happened in the early hours of the morning while I was still asleep. I reported the ***** on the same morning as soon as I noticed it on my bank account and asked FNB to stop the transactions and investigate. I was told it would take between 7 and 30 days for the investigation to be completed. 30DAYS! All my money has been taken, all savings and cashflow for the business! How must I pay my bills, pay my debt or run my business without any funds for an entire month!?!? I immediately went into my nearest FNB branch to cancel my bank cards and block my online banking app as per their instruction. I then proceeded to open a case of ***** at my nearest police station. After following up several times I was phoned back by one of the FNB investigators with some follow up questions. He informed me that they were able to track the *****sters to an IP address in Brazil and assured me that they will investigate further. I continued following up on a regular basis without any new info given to me every time, escalating the case as often as I could. After 30 days, FNB finally gave me the answer." The Bank has reviewed the case and considered all the facts, regrettably we have declined your request for a refund based on the following: • In order for the FNB Contactless Card transaction/s to be processed, a registered/linked device was used behind a secure login." If I notified them within a couple of hours of the *****ulent transactions, like I did, surely they would have been able to stop the transaction from being completed! Even If they could not stop it from going through, it would still have been in time for them to reverse the transactions as they are able to easily do even when it was not *****ulent. This I also know from previous experiences. This raises 2 questions. 1) Where is my money? Is it safely lying somewhere in a FNB fund for them to gain interest on or did they gift it to the merchants they were supposed to retrieve it from? If option 2, where are all the items that were purchased? Who has them? 2) Why cant they refund me like they should? It is after all my money, my money that was taken from my account without my authorization! Money I trusted FNB to keep safe for me! I naturally logged a complaint against the outcome of their investigation and this to was just over ruled. FNB are the real *****sters here. 17 years of banking with them and this is how they treat a loyal private and business banker. I was forced to click on 1 star review to continue but there should be a negative star rating for the service from FNB