Over an hour so far spent on chat - sent in a circle and zero help received.

I made an online payment to a portal, but the recipient claimed the payment had not been received.

I reached out to FNB and was told I needed to complete a dispute form. The dispute form requests bank details for the recipient, but this was paid on an onine portal.

When I queried this via the Secure Chat, I was given instructions that had nothing to do with a form, I could do the request for reversal on my app.

I then find that the transaction is not listed as it was done via my virtual card.

I am told I will be connected to someone who can help me with that, and am then referred back to the first process that I cannot complete as it is not applicable to this issue.