Disregard

I recently had R20999 *****ulently removed from my FNB credit card account. I immediately reported the matter and was old that it was impossible to reverse the transaction and that all that was to be done was to hand the matter over the ***** department for investigation. {Your guess is as good as mine as to what that means). Two days later the transaction was reversed without a word from FNB. complaining about the matter was an excercise in futility as the left hand did not know what the right hand was going. For example I was informed that anyone gaining access to a FNB account can withdraw vaste amounts of money despite one having sett daily limits. What the purpose is of having daily limits remains a mystery. I was told I had an unsecured credit limit of R700,000 despite never asking for one and that someone gaining access to my account could withdraw said amount despite me setting a daily limit of R5000. Gaining access to my account shows that I have a total access amount of R50000 straight and 88000 on budget nowhere near the R700,000 stated. Joan also informed me that their figures were different to mine and could offer no reason as to why this should be. No plausible reason was given as to how this amount was withdrawn despite my daily limit of R5000nor why I was not informed about the reversal. I was also told that the only way to prevent this is to downgrade my credit faculties by visiting a branch and that setting a daily limit would not prevent this from occurring in the future. I was left with the impression that what I had to say was irrelevant and that the bank had all the rights to do what they liked with my money and to hold me personally responsible for any debt no matter how this occurred.