UNHAPPY AND DISAPPOINTED CLIENT

my card was ****** on the 23rd September 2018 and all my money was withdrawn. called FNB and cancelled my card and reported the incident. I was told I would be contacted in 14 working days. no response till I called in again and was told my I had to resend my forms and would be called in 5 days. 5 days later nothing again. I gave them the benefit of the doubt and called in days later. finally I get a clear answer on the 20th December 2018, that I was liable and they would not refund me. so much for time dragging FNB. really unhappy! and disappointed