FNB ****** funds

I have had a bad experience with FNB there was ***** on my account about 2months ago. An amount of R16000 was ****** out of my account I called and reported the ***** my cards were blocked as well as my app. I was told the situation will be investigated after 3 weeks of investigation to they came declining my ***** transaction because apparently the transaction happened the Monday and I only reported it the Tuesday. Not taking into account the amount went off my bank account at 23:20 the evening. I am so disappointed as I reported this countless times and they advised I should give all my complaint references which I then provided them with and till today I have not received my funds. It’s a disgrace that one banks with a bank that cannot provide sufficient protection of your funds. But when it’s time to pay back money that was ****** out of my account they claim to have called me so many times but when asking for the references I get no references. I would not advise anyone to bank with FNB as this is the second instance I report and nothing is being done about it.