FNB Card Fruad ... an inside job?

Almost every alternative month I have to cancel and order a new bank card due to ********** activity on my card. I find this completely strange and unacceptable that FNB has not picked up on this ongoing trend? No one on the customer lines can assist you...To the point that I believe this is an inside job run by FNB, because the client is easily reimbursed with no questions asked? The process they follow is to cancel your card, order you a new card and lodge the dispute? Which you get your money back within 7 to 14 days. Way to easy...right? You never get the reasons or the outcome of the investigation. Something is just not adding up here!