FNB promotes virtual cards but wipes their hands went your account gets *****ed

I've had 7 instances of ***** on my account with no option of allowing the transactions. The first 3 instances were resolved but for the other 4 I was told that it was due to my own negligence yet I wasn't even aware of the first 3 cause I never received notification of these transactions happening and the same applies to the 4 which happened through a supplier I've never dealt with before but FNB tells me that it's my own fault. Why offer services to customers if you can't protect them from *****sters.