Duplicate Transaction after days

On Friday 24/10/2025, I made a purchase at Menlyn Checkers of R4404.19 using FNB wealth credit card. Unfortunately on 28/10/2025, the balance on the card was debited with the same amount as that of Checkers Menlyn. I called Checkers customer care, their explanation was that any card is debited on the spot not some few days later, and i have used the virtual credit card on the phone. I called FNB client service and was told to fill in the transaction reversal form of which I will be liable for R325.50 reversal fee as if it is my fault. This duplicate transaction was done by the bank so it should be their liability to reverse the amount back into the account.(R4404.19) Someone wanted to channel the money into their account.