Not Filing Dispute Cost Me My money

Good day<br> <br> The transactions sms came through 6h30 on 31 Jan 2015 that is when I went to the branch the first time to cancel the transaction ***-*** the transaction did not show yet and I asked the lady that helped me to cancel the transaction. On my statement it shows that the transaction went threw on 3 Feb 2015. I also asked her to cancel the card on witch the transaction took place witch she did not do.I canceled the card on witch the transaction took place myself on 4 Feb 2015 and got a new card. On 16 Feb 2015 I went back to the bank to follow up on the transaction and had to log a new complaint because the lady whom helped me on 31 Jan 2015 never filled the complaint on the system and had got a new ref no. Rq***. They said I had to follow up if I have not heard anything in 3 days time. On 19 Feb 2015 I phoned the dispute department they said I must sent them the documents witch the bank did not give me so they sent me the documents witch I completed and sent them back to the dispute department, reciving another ref no. ***.<br> <br> The amount is R 1078.94 an I hold FNB liable for this money because I did report it before it went threw.