Disputed Amount Claim

I have a Premier Cheque Account With FNB.

> on the 23rd - R99.99 was paid from my card via online card payment with OTP etc. to Gridhost for an invoice that was outstanding on internet service.

> On the 31st of October however, no invoice sent (and no invoice exists for that account to this value), R399.95 went off my account for Gridhost that I neither authorized nor owed them. - I put in a dispute form, but further to this, I needed information as to why an amount would go off my account, whilst i have my card, without a one time pin - I perceive this to be *****.

Please review my conversation with a "premier online banker" - Linda Mahaye, with whom I had to prompt to give me feedback about the payment going through my account without my permission. You will see from the conversations that I'm distressed and i want to know if to lay a ***** case or not but i keep getting blase responses and one-liners to which i have to repeat information i have already given but further more, FNB now want me to provide proof that I don't owe this merchant.

i have had to say more than once to FNB , that i did not swipe my card at Gridhost. i had it with me when the payment went off!!!!!

Will someone doing something **********, if this were the case, provide proof that the person they de*****ed does not owe them?

what about FNB's responsibility to protect their clients details in this case? Should that not be enough to warrant a proper investigation?

I await your response.