Mr J V Swart

On 07-07-2022 I loaded a Moneygram transaction on the FNB App on my cell phone. FNB debited my bank account. The Receiver was in Kenya. Moneygram did not release the said funds to the Sender for whatever reason(s). However, I was advised the funds were marked: Return to Sender. The Receiver never instructed the Return to Sender – Moneygram did. Ever since I have been in a tug-of-war between FNB and Moneygram to return the funds to my FNB bank account. On 27-07-2022 FNB confirmed via email that the refund has been effected. Why does this refund not show on my bank statement? Has my money been ******? Should I report a theft/***** case? Should I lodge a complaint with the Bank Ombudsman against FNB?