FNB ***** DEPARTMENT DOES NOT PROTECT YOU

I had 4 transactions go off my account on the 11th of December 2025, it was from Betway, I was in the car when this happened. I blocked the card and I called the bank to notify them of the *****. I then kept asking them what the feedback was and they couldnt tell me, instead they kept saying they sent a letter. I kept phoning over the next few months about this and each time I was advised a letter was sent to me, I NEVER RECEIVED THIS. I eventually went into the bank today to get the letter which was dated 28 Jan 2026, the first time I am seeing this. The bank said they are declining my request for the refunds as they said that a registered / linked device was used behind a secure login. WHICH IS INCREDIBLY SCARY BECAUSE I NEVER PURCHASED OR AUTHORISED BETWAY TRANSACTION, I WAS IN THE CAR. This is really scary because this can happen to anyone, you think that you are protected but the bank doesn't have protection, instead they blame you and say you authorized it. 1) I never received the letter, after phoning multiple times, 2) I reported this, if I was the one making the transactions why would I block my card and report this. 3) my phone was with me in the car at the time and I NEVER purchased / gambled on Betway. 4 amounts went off, R300 x 3 and R100 x 2 = R1100 on the same day at multiple times.