FNB navCar refuses to issue refund

I am truly frustrated by FNB and its navCar feature on the it banking app. I requested a license disc to be sent to me in October only to find that the department of motor vehicles has blocked the disc due to a roadworthy certificate. I then tried to request a refund from FNB, as the car has been sold and is no longer on my name, and have been sent from pillar to post for the last 3 weeks. I even spoke to their partner licensedisc.co.za and was told that they cannot issue a refund because the disc has already been paid for. This is the most frustrating experience I have had with FNB and its banking app products. I made multiple phone calls to them, even wrote a complaint and was given a reference number (***) and still nothing.