FNB not so secure after all

My credit card was cloned and then used online. Now I got my money back quickly so thank you for that. My problem is that FNB is all about safety, how is it that my card was used on an online platform and an OTP was not required? The answer I got was some of these merchants don’t have a visa authentication process therefore an OTP is not required, surely the card should not work if the correct authentication methods have not been used? Why should I continue to bank with FNB when you clearly have a massive flaw in your security system? I phone and get put on hold for hours then get told we will call you back and you never do. When I go into a branch hoping to talk to someone about my concerns just to get reassurance THEY TELL ME TO PUT MY ISSUES ON HELLO PETER! Not one person could reassure me that something was going to be done, instead I was told by YOUR STAFF to rat you out on a social platform because this was the only way someone would respond to my worries. I am a loyal FNB customer but I am appalled by your service. Not even your own staff have confidence in you so why should I? Get your house in order