No refund for *****

It is the first time in all the years I have been with FNB that i can truly say I am so disappointed and I feel now I cant trust them with my money. Money was ****** out of my account (may I warn people never to use virtual cards) using my virtual card which the bank advise me to activate in order to accumulate more eBucks. The bank don't want to refund the money to me because apparently I had to click on a link to give this person access to my account. Why don't you have insurance for things like this??? Why does it take 45 min for me to get hold of someone on your ***** line? Why couldn't the person via secure chat block my card??? None of these questions could be answered. Just easy to say "sorry you clicked on a link and gave them access". As a single mom this is tragic and you just don't care!!