FNB refuses to refund ****** money from my cheque account due to *****

I was de*****ed on the 13 June 2024 three transactions total value of R13065.00 was transferred using Instapay Tharelobyte. I immediately notified FNB of the *****ulent transactions and disputed those 3 transactions and was told they cannot be reversed even though it was showing as pending items. They advised that they will lodge a query with the ***** division and will provide feedback within 7 days. I will not be held responsible for the above as I am the only person who has the card and the card details and no one else has this information except the bank itself. The fact that a registered/linked device was used behind a secure login is not my fault or my problem as I am the customer and pay bank charges for FNB to secure my money in the even of ***** transactions like these. Firstly, I did not receive no OTP on my app to approve any transaction. I did not receive any inContact message to notify me of any ewallet notification or approvals. This is a security breach on FNB side not a fault on my side. The fact that FNB does not have security measures for services that allow purchases to be made via contactless card is not my fault and I will not be held responsible for this money being taken away. Further to this, the money that was ****** was the banks overdraft facility and not my own money. I also disputed the transaction on the same day and nothing was done about it nor was a reversal attempt made on FNB side to resolve or try to get the monies back.