No refund for money not dispensed at the ATM

I had tried to withdraw R200 from an ATM around 8pm but the money had not been dispensed yet my account balance had been decreased by R200. I had immediately called FNB and queried it. The assistant had given me a reference number and asked me to visit the bank.

I visited the bank the next day and the manager had assisted me to fill out a claims form. It has been almost a month. I keep calling FNB and querying if the money will be paid as FNB owes me money. Yesterday I received an SMS stating that my query has been declined and no refund will take place. There is also a number provided in the SMS for further information. This number does not work or is not valid.

This is the most disgusting service ever received. I really feel like changing who I bank with. To think that its a small amount of R200, what would happen if you try to withdraw a larger amount and nothing is dispensed? Just because FNBs ATMs are faulty, we as consumers will bare the costs by not getting our money back! Pathetic service