FNB ATM ****

I have been ****med at 1 of FNB ATM in Soweto (Protea glen) R4000.00 (26/09/2019) to be exact. My bank card was with me when I got a notification that R4k has been withdrawn. So according to FNB they cant reimburse me because • This card is PIN and Chip based - the card was in your possession and the PIN (Personal Identity Number) is known to the cardholder exclusively. • This case could not be linked to any other reported ***** cases and also does not form part of the normal "modus operandi" of ********** operating with cloned cards. • The transaction/s occurred in the area where you normally transact and no further attempts were made from your account up until the card was cancelled. so according to FNB u cant be the 1st person to be ****med ,u must use different ATMs before they cant incur liability. This is ridiculous for such big bank very disappointed.