Disputes on my account not resolved

I have put in a dispute on two transactions on my account. One for R172 (DB internet and one for R490 (Kariba). My card was cloned and these transactions have gone through my account. From 31 August 2020, I have been waiting to be refunded, and to date, no one rep**** concerning this. In these days, everyone needs their money. A case of ***** has been reported, but no money returned in my account. When you try and contact the dispute department, you have to go through so many channels. It costs you airtime, and by the time you do reach them, your airtime is up. I am so frustrated with FNB. I am opening an account with Capitec, my husband has never had issues with them. FNB is a terrible bank when it comes to services. Your service is a disgrace.