Unauthorized debit order (FNB mistake)

My Debit card was cloned (or whatever the process is called) on the 07/07/17 , i called in and reported the ***** case - where my cards were cancelled and the ********** transactions were reversed. I called the call center who confirmed this an advised me of my current balances.

A month later 30/08/17 a unauthorized / non communicated debit order when off my account , which i was explained FNB made an error and double credited me ( yet i called to confirm if the amount is correct - if calls are recorded you will be able to pick up the agent confirming the amount)

i think this is ******** you can just load demand debit orders without consulting the bank account holder ,

The ***** department call center staff do not even understand my query - he advised me that i am liable to the ********** company - non helpfull

The randburg Fnb branch on Main ave Randburg - advised they cant help me

So i am not really sure who to turn to , My lawyers ? The Ombudsman ?

i loved FNB but it looks like i need to search for another bank!