FNB cc *****

on 6 Nov 2025 my FNB cc was ****med with R32 000+ with a referance Etheopia airways. The second this transaction reflected on my sms and email, i contacted FNB to cancel this card and transaction as this was a ***** transaction. what led to this was an email i received stating my netflix account is due. as i am a netflix customer and i did change banking details, i continued with the link. there was no OTP ask nor approvel asked via the app it just went through as i clicled on payment. I have been in contact with FNB ***** and the ombudsman and they say they are not taking responsibilty I am at fault. I have the prove I was not at fault. This transaction was pending for 5 days before FNB released it. FNB could reverse it in/at that time as it was a pending transaction and not batched by the merchandiser (who ever that might have been) Since then, I have closed all my accounts with FNB but because this issue is on my credit card FNB is not closing this account. So this account is accumilating interest and other various charges which I am not responsible for. FNB has offered me a R3000 payment back on this, so i must till pay R29 000 for something i dont know what?