UNAUTHORISED TRANSACTIONS

On Sunday I found out that R349.00 was reserved from my cheque account by Merchant "Bolt" which is unknown to me. I then call FNB and they tell me that cant do anything at the moment as the Transaction has not been processed yet. Basically I must wait until the money goes off before I can get assistance, of which they will investigate and it will take up to 30 days. I must block my card and I must pay for a new 1.this card is not even 30days old. Upon this I also realise Edo Collection Attempts of R150 going off every months( no notification from bank) Services are absolutely Ludacris....this is not what I expected from FNB