FNB Premier Team of Bankers really bad service

I made a pay and clear payment to a Capitec account on the 10th of this month and the money still not paid into the receiver's account. I have contacted FNB 3 times in the last 2 days to resolve this issue which they charged me R45 for 1st I was told that the money was released and that Capitec had problems clearing EFT transactions from FNB. I phoned Capitec, it's completely untrue... I phoned FNB again and now the money is 'missing' - maybe in a suspense account, but I will be phoned before close of business. No call. Called again, a request was logged to trace the money, I insisted to speak to a supervisor - all of them in a meeting (naturally), but I will be called by a supervisor in 30 minutes. No call. It is not my problem that they 'lost' the money (whatever that means), I want my R45 back as a matter of principle, FNB should pay the recipient immediately and 'find' the money on their own time. I have been completely embarrassed by this shocking bad service. The person I am TRYING to buy goods from (which I desperately needed this weekend), thinks I am a *********** with all the excuses. To them it must sound like a lot of 'the dog ate my homework' hogwash. I also want an apology by email from FNB for making me look and feel like a lying fool. I am really disappointed. They had 3 chances to fix this, but they are just stringing me along. It is also worrysome that no ref number is offered as with Nedbank, and it seems that there are also insufficient notes being made on their system by the call taker, otherwise why go through the WHOLE story every time.