Standard Bank Nightmare

On the 2nd March 2019, I was ****** and my Credit Card was **********ly used. The ****** ****s swiped my Credit Card and spent about R16k. I reported my cards to the Standard Bank ***** department and was rediculous informed that the transactions could not be stopped even though they were still waiting for authorization. Now my ****** bank wants to refund me partially as the say my original card and PIN number were used. I feel that my bank is de*****ing me all over again and really feel that the people that were supposed to protect my hard earned money are taking me for a ride....My Colleague has told me that his bank fully refunded him after having been de*****ed as well. Standard Bank is robbing me and really frustrated to say the least.