Lacklustre FNB

In November I canceled a policy with Old Mutual. On 1 Dec the payment still went off my account and I promptly disputed it on my app wanting the funds reversed. Today, another debit order goes off. I go through my transactions and realise that the funds of 1 Dec was not reversed into my account either. I call FNB who explain that I need to wait another 24 hours before I can log a dispute about today's debit order AND it was too late to have 1 December's payment reversed into my account DESPITE the fact that I did lodge a dispute within time on the utterly useless app!!! For me to get that reversed I need to go into the branch (during a PANDEMIC they want me to go face to face to fill an easily emailed document), fill in a form and wait 40 days to have the reversal approved!!! It's less than R400 per transaction!!!!!!