*******! Credit card claim dishonoured!

I approached credit card claims after I had failed to recover by money from a *****ed service provider. I had been battling with requesting a refund for over a month and at that point decided to ask the bank to help me recover my money as I had paid using my credit card. I explained what had happened, that I paid for a service that offered a money back guarantee, and yet when I had failed to receive the service as promised, the money back guarantee was suddenly ignored. Mind you, this is a business that actually utilizes the banking services of FNB to collect payment from unsuspecting people and then does none of the work you pay them for. The *****ed ways of this service provider are publicly exposed by many victims such as myself that have expressed frustration at failing to receive refunds, even up to a year after requesting. The company has a very negative rating on hello Peter.

Anyway, initially FNB reversed the payment after I had submitted a claim and said they would contact me after they conclude the full in investigations. I was relieved that the bank had helped me to recover my money. Once the service provider in question realized I had reversed payment, that frantically started calling me, to which I told them upfront that I no longer wanted or expected any service from them because they breached the contract we had by not providing the service within the agreed time and that my requests for refund directly to them had been ignored so I had in fact asked my bank to intervene. A few days later, I receive an email from FNB saying they have reversed my claim because the service provider has provided sufficient proof and they see nothing wrong. This proof that FNB received was in fact the invoice I had received as well as receipt of the payment I made to this company. Nothing on the documents shows that the service has been provided, in fact the paperwork shows that service should have been done within 50-60business days. So I contacted the bank and asked them why the paperwork given to them is sufficient to show that there is nothing wrong. When in fact it shows that I paid for a service that was not received!I provided all email history showing my futile attempts to recover my money from these ******! Without even bothering to reply to my email, I see now that my claim has been reversed. You pay using your credit cards to make sure you have protection in situations like these when *****ed companies try to ***** from unsuspecting people like me, then when you approach the bank to try and use this protection that you are entitled to, they side with the *******!I have heard nothing from Credit Card claims even though I clearly communicated and sent all interaction with the *****ed company to FNB. FNB helps these companies to ***** from us by giving them bank accounts, then also protecting them when victimized customers make claims!I am so disgusted by FNB. I want a full explanation for why my claim was of R13,000 was reversed and yet there was no actual proof of service completion given to them. I have been duped by both customers and the bank itself!Now they ignore my requests for review of this claim. I even requested a 3 way conversation including with the service provider I am disputing to make sure my claim was assessed fairly. And no response! This is despicable! What is the point of having credit card insurance if a bank will use insufficient evidence to rule against the victim? If I pay for a service for which no service is provided within the agreed terms, if I approach my bank and ask them to make me whole, the least I would expect is a thorough assessment of the case. I have provided all background to the bank, so why am I still left shortchanged?!