*****ulent activities on my FNB accounts!

One of the things I've always been boasting about when it comes to FNB was the security measures they have put in place! It looks like I was wrong! In just about a week and a half I have had POS transactions going off from both my personal and business account without any authorization from my end and all FNB could advise me on is to close my card! My cards require a pin for ALL amounts and I mostly use my Phone for payments. For online payments I'm always required to put in the CVV number but last night I made a purchase online in my sleep, from my business account, without the CVV! Its all gone horribly wrong.