Disgusted with FNB

I recently found out that my bank card was cloned without my knowledge. I was only informed about this when money was taken out of my card. Now i am thinking how is this possible when the card is in my possession. I obviously cancelled my card immediately. I contacted FNB ***** division and explained the situation. I had to go into the bank and give my card in and request a new card. FNB ***** division rejected my request to re-reimburse me for the money that was *******ly taken out of my account, on grounds that i did not notify or cancel my card. Now how am i gonna do that without knowing that my card had need cloned and the card is still in my possession.