Fnb credit card reversal

I have encountered endless problems with FNB and I am fed up with this bank. This is the worst bank to bank with ever and I would not recommend this bank to anyone. I must keep running to the bank to make phone calls regarding the progress of my credit card ***** case. Then only to wait for more than half an hour to speak to a consultant over the phone as their call volumes are high. Firstly, I had a problem in getting assistance with my case. There was no response or follow up from Fnb ***** department, I had to go to the branch and call for a follow up. If a fnb client does not take the initiative to make the effort and find out what is happening to the case, then fnb will just forget about it. That first problem of mine was sorted by fnb sending me a refund form. Secondly, I completed and signed the form on the same day that it was sent to me which was on the 9th of October. I immediately went to the bank at Festival mall branch in Kempton Park on the same day and asked them if they can please assist me and send the form to ***. They assisted me and sent the form through to the ***** admin department. On the form, it states that I will be refunded the money in 48 hours. I waited till Wednesday 14th of October for my refund but I still did not get it till today. I emailed the form again from my email address on the 15th of October and today is the 20th of October, it has been more than 48 hours and I still did not receive any refund as yet. How long does it take to refund a client? And how long should a client wait? Fnb is too quick to debit funds from a client's account but to refund a client takes forever. Please see below email of when the form was sent for the second time. ---------- Forwarded message --------- From: Melisha Govender <meli********> Date: Thu, 15 Oct 2020, 19:25 Subject: Reference *** To: <***>

Good day.

I acknowledge receipt of your email and acceptance of the terms.

Kindly find the attached signed form for your reference.

Also, kindly note that I have been to the FNB branch in Festival Mall, Kempton Park on the 9th of October 2020 and they have sent this form on my behalf. Till today, I still have not received any payment into my account as yet and it has been more than 48 hours.

Thank you.

Kind regards. Melisha Govender