Unsafe banking platform

I'm very frustrated with FNB as my account/ card was used to buy cosmetics online R4900 while I was sitting in my living room 13/11/2022 16:30 . No SMS notification was received until today. The only notification received is from the FNB app. I immediately called FNB to report the case and they told me that it will take 10 working days to resolve the issue and should I make any deposit into the account then payment will still be processed for that ********** activity since my account is sitting on a negative amount and the payment is pending. While on Sunday I was told the payment will bounce back today I was told it will be processes until investigation is completed. So I am waiting for my money to be paid to the ******** while my bank is watching. FNB is not even able to decline the transaction even after I reported the *****. Why is payment pending on my account when there are insufficient funds? Why are they not declining it to say "insufficient funds" unless this is an inside job. This is very ridiculous that your security is weak. What is the point of asking me to order a new card if you are not able to stop or reverse the ********** payment? I will still get the new card but the pending transaction will still go through until you decide when you want to investigate. I am sure this is not the 1st or last ***** case you are dealing with and you should have better and quicker response to such as you are a financial institution.