FNB ***** Dept failing

I was ****med out of R5700 on the 1st of February 2025. I did everything I was instructed to do by FNB ***** Dept. On the the 18th February 2025 I received an email stating they will not refund me because in 14th November 2024 I linked google pay to my card. What I cant understand is why will it take 3 months before the specific vendor **** my account and surely I had a pin on my account for any transactions on my card. Its easy for FNB to make up a story to suit them when they fail to protect your account. Please warn the people out there that FNB wont pay back your money when you get ****med and their ***** dept is not there to help you but would rather protect the vendor that ****s.