MISSING FUNDS

Transferred funds into my credit card via inter account transfer which duly reflected. The funds are now missing and ABSA now say that it will take three working days to resolve. Looking at other posts it seems that I am not the only person with this issue. It looks like ABSA have come up with an ingenious plan to increase their bottom line using their clients money. Who benefits from the funds sitting in ABSA's account instead of the individuals?