Money missing in account

I did an immediate payment on the 25/01 to an FNB account that has not yet reflected until to date. I called later the same day to enquire and was told to go to FNB to check for the money, i called again and it was said it was successful i must wait it will reflect during the course of the day. Yesterday i called again and this time was told to bring a statement from FNB to show the funds indeed where not there, i called FNB and they redirected me to Capitec rightfully so because that is where the funds come from. I went to go get a transaction history and emailed it back to the agent that asked me for a statement for it to be sent to interbank. I called again today and was told i must wait for interbank which might take 48 working hours DEPENDING if the agent that asked for my bank statement did send it to interbank. I was charged R10 for nothing as that is all the agents can confirm, the account number is correct and i have done this before but now i must go back and forth to both banks and check if indeed money is not reflecting countless times, if someone did indeed send my statement and all i get is refernce numbers. Today is 48 hours later of what could be the possible time for a normal transaction still there are no funds. On my app it does say it is an immediate transaction but there is no fee, so i don't understand why the agents say i was charged, because it did not go through immediately. What is that charge for? Where is my money?