Standard Bank ***** Case

<p>On the 20-06-2017 while at home I received an in contact message for a purchase I did not do. So immediately I went onto my Std Bank app and there was no recent purchase on the showing on my account, so I assumed it was a mistake maybe on the bank side. After a day I decided to go to the bank and they had informed me it was a purchase. So I opened a ***** claim. After 2weeks someone tries to contact me from ***** division so I called back and they informed me that my card was used with the pin and they would of refunded me but they can't. I fail to understand how the transaction was even done in the first place because there was no funds in the account and was already in a minus figure before the purchase was made because of monthly charges on the credit facility. How long is it going to take till the money is back in my account and I can have peace of mind?</p>