FNB not reversing money as said

In December money was swipe with one of our business cards for something we did not buy <br> this happened after midnight <br> so we went to first national bank, they will reverse the money as my husband had an operation and we need the money R1400 purchased with the card <br> Now today more than a week later, we receive an sms saying that they have 30 days to respond (which is now the merchant the stuff was bought from) my thing is we did not do this transaction and now they don't want to give my money back. FNB is seriously not the same as they were <br> I am considering taking all of my accounts to another bank really!!! <br> how can this be - when u go to the bank and fill in all that forms saying this was not what happened we did not do this - they say that they will reverse the money within 5 days <br> everyday we just get new smsses - im seriously not happy with you guys