No customer service! Just passing the buck!

I made a purchase on takealot with a virtual card and then cancelled the card after the payment was done. The item was defective and I requested a refund the refund was processed on the 12 September. I called on Friday to enquire about the refund as it's been over 3 to 5 working days. I spoke to someone in the 3D department at FNB who confirmed that there is a refund pending and gave me an auth number. Since then I have been following up I have been transferred from 3D secure, card disputes, refunds and several other, spoken to several agents and NO one can assist. I have tried your chat service as well and same thing being transferred to every department. The agents won't go the extra mile to assist they just transfer you. I am fed up right now.