My ***** case not properly investigated

I noticed random amounts going off from my debit account from an unknown investors company. Period from Oct 2024 up to June 2025. I reported it to FNB Security/***** department and according to their finding report, they cannot refund me, and they keep me responsible for the transactions reason being the card used is pin and chip based.

1. The random amounts occurred from someone that I do not know at all or ever heard of – Veldpond Beleggings. I have Googled them and came upon an email of which I used to send a message for them to contact me and was asking why they are taking money from my account. The person phoned me back and confirmed that I am the 3rd person phoning him about the same suspicion of *****. He confirmed that it is not their company, and their company does not take money like this from their clients at all. 2. FNB ***** says they have investigated, and only found the period involved being May – June 2025. While the true period, which they did NOT investigate properly, started 12 Oct 2024 up to 23 June 2025. 3. They said they have investigated and found an amount of R1,207.70 between this period, while the true amount is from Oct 24 to June 25 and amounts to R3,377.40.

4. If I personally used my card with my PIN for these random transactions, why dont I know the reference company which is the same name 'Veldpond Beleggings' showing on my statement and what will I buy for R13 one day and R1,679.90 on another day?

I put it to them that they have not properly investigated this case and that these transactions were not done by me nor have I ever given my card or PIN to someone else to buy on my behalf.