FNB allows *****ulent activity without OTP's or Authosations?

FNB, how do you allow R19 000 to be taken off my account using one of my cards without an OTP or approval? I contacted the ***** division, the transaction is still pending however you can't stop the transaction or reverse it, it's clearly *****ulent, as the reference is FACEBK ***xx which if you google there is a **** with the above reference. What's the point of OTP's and Authorisation message if your card can we hacked and used so easily and then you need to wait 5-30 days to "maybe" get your money back.

The Consultant says the money is gone however it still shows pending on my account, how can this not be stopped if it still shows as pending - unless it's FNB to FNB where you should then be able to trace it and reverse it?

As An FNB PW account holder and my main business account is with FNB, I'm NOT impressed and feeling extremely anxious now about moving my accounts.