Debit card Claim

I'm very disappointed with FNB, on the 5th of August i was skimmed in one of their Atms in Randfontein ( a guy interrupted me while i was trying to withdraw and he stole my card and withdrawed R5000). after i received the notifications of the money being withdrawed from my account and then i blocked my card. i went to FNB (CBD Pretoria) the following day (6th of August) to report the incident then they said they were going to investigate. A month after i went to FNB to check the progress on my claim only to find out they have not started investigating then a week later they sent me an sms saying the claim was acknowledged. Then last week they sent another sms saying the claim was finalised. So today i called them wanted to find out the results and they said they wont pay me my money back because i reported the incident late (14 of September) while i reported the incident day after it happend because the 5th of August was on a Sunday and they also said i cancelled the card late while i blocked my card within an hour after the incident. My reference number is 435246.

Please Help i want my R5000 back