UNAUTHORISED DEBIT ORDERS

I woke up this morning (01 April 2021) to MTN and Telkom deducting money from my FNB account. As these were NEW deductions, I expected FNB to confirm with me for authorisation before the payment was allowed to go through as the bank is aware there are ********** out there using people's details to apply for accounts/contracts. The question I have is why did FNB allow these two NEW debit orders to go through without confirming with me first, using one of their communication methods? The same thing happened in January wherein I complained to FNB that how do they allow a new debit order to go through without checking with me first. I never expected this to happen again. Does it mean that I am at the mercy of the ********** and ******** as the bank doe not have a way to protect me as their client? I mean I was left with a minus in my account because of the two deductions and these reversals are damaging to my profile or is it because you FNB are making money out of this reversals? What does it mean to me as a client...because the ********** are there and you are aware, so I have to settle for this? How difficult can it be for FNB to contact me to confirm the NEW debit order before it is processed or allowed to go through. This hurts so badly...