How safe is our money at this so called good bank??

<p>Yesterday, mid morning while at work, i receiced a notification via SMS from FNB, notifying me of a purchase of R1 329.10 from KFC Kanyamazane. I thought maybe it was a mistake because i had my cheque debit card with me and i also did not have such money left in my account, but in any case i loggen into my account to verify, to my horror, this was no mistake, my account was in negative, which was very odd because normally when i dodn't have sufficient funds in my account, a purchase never goes through. I immediately phoned the bank, they put me through to cheque and debit ***** department, the person who responded to the call was very helpful, he advised to immediately cancell my card and replace it with a new one as he suspected that it might have been cloaned. he also send me the cheque and debit card ***** claim form, which i filled up and emailed it to the email address provided on the form, he also assured me that the bank will investigate the matter and refund me my money.</p> <p> </p> <p>Today i decided to phone the bank again to just follow up as i just wanted to check how far they have progressed with my case. A gentleman called Danesh responded to my follow up call, he confirmed that the case was opened but they had not received the form i sent yesterday, he gave me an alternative email address to send to, which i did while he was on the phone with me. I also enquired about the staus of the case and also when i should expect money back into my account, this gentleman became very rude towards me telling me that the bank has to investigate the matter first as there is a possibility that i might be liable for the transaction. I honestly took offence to this, i enterusted this bank with my money, the money goes missing in their care, and they turn around and tell me that i might be liable?? wow, i am beyond dissapointed with FNB. The manner in which i was treated by this gentleman left me disgusted and i am going to take my business somewhere else</p>