credit card *****

on 18th November around 11.45pm i received sms's and emails of ********** purchases on my credit card. i immediately telephoned the FNB credit card ***** department to report the transactions.i was pormised that the transactions would be reversed and that the matter would be attended to within 7 days.at that time the transactions were still reserved on my credit card and not paid to the supplier Easypay Online.I received a call and an email on 3 December stating that FNB would not be refunding the amounts due to the transactions being paid using an OTP. an OTP was never used, it was credit card transactions. the hackers has my online profile and transferred all my cheque account funds and discovery funds to y credit card, and then used Easypay online to purchase from my credit card. FNB had ample time to reverse the transactions,they took too long to respond to my complaint. it is unacceptable that i have to be accountable for ***** that i reported when it happend