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When I first contacted fnb around the 20th Dec 2023 the consultant said the I should wait 38 days for a refund made on the 25th of November to reflect on my account. I did wait, now it is over 40 days and fnb can see the funds on my profile but will not let them clear in my account even though I provided them multiple times with proof of payment from the merchant.

I do not know why it's taking so long. The matter has been escalated so many times without any progress none whatsoever. I do not know why this is all happening because it seems like they have 0% transparency policy. I am absolutely cluess as to why I'm jumping through hoops.

Now the question is, will I encounter the same problem every time funds are refunded into my card? Their time wasting tactics are annoying. Maybe other banks are not doing this to their clients. I need to move.