Worst bank ever

On 2 occasions I used an FND ATM to withdraw money which did not come out and the first time I called Discovery they took forever to sort the issues out with me having to make more than 30 calls to them and I was told that the ATM has balanced and the money cant be refunded back, they have given me the money back and taken the amount out my account due to it not balancing. I then used the ATM again and withdraw a higher amount which did not come out, called the bank again and guess what the same old they asked me to fill the dispute myself without me understanding how to do so. Its now been more than 10 days and I have not yet heard from them nor did I get my money back into my account aside from a disclaimer states that if the money balances in the Atm I would be charged with *****. Is this bank a real bank or based on reviews its just a total joke to rob customers off their money. This is not even a fraction of what dissatisfaction I have with this bank. I need this to be sorted out cause that not a small amount of money