FNB service delivery sucks

I lodged a dispute for an amount of R 6749 with FNB in January 2022 for a transaction in December 2021,after constant repeated questions back and forth I am now told the following ""Unfortunately the transaction is now out of time and we do not have chargeback rights to proceed. As per Visa rules, we only have 120 days from transaction date to log a chargeback."" Like REALLY I logged my claim within 20days I am so disappointed, I have been a loyal client for over 30 years and have referred so many of my family and friends even complete strangers to FNB, but sadly they have so disappointed me I will never be able to convivence anyone to change to FNB again. further to this I called FNB on last week and was put through to 6 different departments and spoke to 9 different people ,the call lasted for 1hr and 22 minutes with no actual resolve ....it was so frustrating but I stayed on the line and had to explain the dispute several times only to be told tat it would be escalated and on Monday I received an email requesting info that I had already sent to them twice then yesterday I am told they cannot assist as I have run out of time ...but they are the *********** people that delayed the entire process ..does anyone know if I can take this up with the ombudsman?