URGENT: *****ulent SHEIN Transaction – Request for Immediate Reversal & Provisional Credit

I am writing to formally dispute a *****ulent transaction on my FNB account and to urgently request assistance.

On 24 January 2026 at approximately 20:35pm, an unauthorized transaction to the value of R5,034.00 was processed on my account in favour of SHEIN. I have never made use of SHEIN and have never authorised any transactions with this merchant.

Upon noticing the transaction, I searched for my physical bank card and discovered that it was missing from my purse. As I typically make use of my phone for card payments, I did not immediately notice that the physical card was no longer in my possession.

It is also my understanding that transactions via the FNB app and card usage generally require additional authentication. I did not receive or approve any such authentication request for this transaction.

I contacted the FNB ***** Division via the FNB phone app and reported the matter. I was advised that an investigation would take between 7–30 working days and that the transaction could not be immediately reversed.

This *****ulent charge has placed me under severe financial strain, as I urgently need these funds for essential expenses, including school fees and transportation, which are due on 25 January 2026.

I respectfully request, that this transaction be urgently investigated as *****.

That provisional credit be app**** to my account while the investigation is underway.

Confirmation that my card and account security have been fully secured to prevent any further unauthorized activity.