FNB *****ing my money. Day light *******.

I have received such a horrible experience from FNB regarding a payment reversal.

On the 10th of July 2019 I made a payment through my Gold cheque account to pay my study fees. The payment was made via online banking and I did explain to them few days after that I have used my debit card by mistake instead of credit card. But the lady at FNB Westgate assured me that I should not worry because the money went out successfully. I logged a dispute with FNB last year November 2019 after I have received the statement from school that I am still owing.

I spoke to Keagan Van Schoor during December 2019 and he assured me that the investigation unit will come back to me after 30 days. I sent a follow-up email end of February 2020 no reply from FNB, I sent another follow on the 10/03/2020.

And today after 90+ days of waiting I get the below message from FNB

" Good Day

We are unable to process your dispute due to the late submission of your request. You have 30 days from transaction date to submit a dispute. Please be advised that we are guided by Visa/Master rules and there is a stipulated timeframe to log a chargeback with the Acquiring Bank. Please note that we do not have chargeback rights as the time frame has lapsed Please note that we have 120 days from transaction date to log a chargeback with the Acquiring Bank , please note that this transaction is out of time and we do not have chargeback right anymore"

So the big question I have is that my money is seating somewhere with FNB and they are saying they cannot help me.

They must change their slogan because is deceiving and they do not live their values. Their call centre is a mess I do not even recall how many call center agents I spoke to with lack of customer service.