FNB does not protect their clients from debit card *****

I reported a card ***** case to FNB after my card was *****ulently used at Takealot. I was given a case number and had to wait for a week for the investigation result. FNB has now refuted my refund claim TWICE stating that the transaction was authorised by an OTP, I never entered any OTP, I never shopped at Takealot. When I asked FNB why the transaction was processed after I had reported it as *****, I was told that “FNB cannot stop the merchant from banking”. Hence, FNB ALLOWED the transaction to progress from PENDING to COMPLETED after 3 days. FNB claims that the transaction was authorised via a secure channel, I never authorised the transaction. When I emailed the merchant where my card was *****ulently used (within minutes of the *****ulent transaction), they advised that FNB should send them a LETTER OF DISPUTE for the transaction. FNB never did this, FNB has refused to ask the merchant hard questions. The implication is that YOU ARE NOT PROTECTED if your card is *****ulently used, FNB will allow the merchant to bank and process the transaction. FNB will not reverse the transaction even if you dispute it from your FNB app and report it a *****. FNB will do absolutely NOTHING to protect you.