FNB ********** Transactions on virtual card - Bank won't cover the loss

I am a Private Client of FNB and had a Virtual Credit card loaded on my account as it should be safer to use. The CVC code for a virtual card changes every few minutes so almost impossible for it to be used **********ly. Or so I thought! On the 12th of November a dozen or so transactions came through on my virtual credit card totaling around R15k and all for foreign based companies.

I logged this immediately with the ***** Unit who then took a full month to investigate just to come back and say their systems did not fail so therefore will not reimburse me for the loss. The only way I see this as vaguely being possible is for it to be an inside job within FNB.

However, the only way to use a virtual card is online because there is no card to swipe. All online transactions will send me a verification request on the FNB banking app to verify the purchase and I did not get a single verification request on the app, yet the money flew out of my account.

I am very unhappy about this and will be closing my accounts with FNB. Be aware that you could easily lose money at this bank.