International funds not cleared after more than a month

On the 2 May I received a refund of $25 from Power Homeschool, on 19 May I received a payment of R504,48 from XM Global. I have been trying to get my money cleared for the last few weeks and whenever I speak to agents, nobody can assist! This funds was paid to my virtual card as that is how I made the payments. 6 different FNB agents and nobody can assist me with MY money. I was transferred from one agent to the other, I have provided transaction ID’s of each of these transactions and my money is still not in my account. I am extremely dissatisfied with FNB and I am a loyal customer! I want my money!! Why must I run after my own money and why are four agents so uneducated and lazy to do their job ?