Discovery Bank fails with ***** cases

I am so absolutely appaled by the behaviour of Discovery. After telling Me on Friday that they were going to pend the *****ulent transaction of over R14k, I log on this morning to note that the payment went through. When contacting Discovery, they inform me that they do not hold the transaction but rather let it go through. After investigating the ***** case, if it turns out to be *****, they will try and get the money back from the merchant. If they are unsuccessful in their attempts, then I am unable to get my money back. Never have I ever heard of this before. They are saying that regardless of it being a *****ulent transaction, they will not pay me back unless they can get their money back. I hate this company and their horrific service. Would recommend everyone to stay away from this joke of a company. Whoever said they are a good company are stupid because their service and their processes are horrific