***** nightmare with Standard Bank

I had my card cloned somewhere and somehow, still to this day i don't know how it was down without my knowledge, I had and still have the cancelled card in my possession. I had three groupon online purchases done by this ******** (s) using the scanned details ( i thought chipped cards could not be used without pin even online) . The issue now is Standard bank required a SAPS case number from me, which i duly took an entire morning out from my work (no pay) to get this for them, now i am being asked to get a police report for them, surely they can phone the police station and obtain this without me having to take another morning off . I know of 3 people who have had the exact same type of electronic ***** happen them but not using standard bank(all still had there cards) and not one had to obtain a police report . Now i am not complaining about them not returning the money ****** but the hassle of having to resolve this issue.