Worst ****ing Bank EVER!!!!!

I logged a ***** case a month ago, which should've been resolved within 7 - 14 working days which it was not. then i get a email saying that my money will not be refunded back to my account because as they said: In order for this transaction/s to be processed, an OTP (One Time PIN)/Smart InContact authentication is required to be entered as approval and verification for the transaction to be authorized. • The added security feature for online transactions only enables transactions negotiated with the use of the OTP/Smart InContact authentication, which was sent to your registered cellphone number or Banking App and therefore indicated these transactions were authorised. • Kindly note that FNB does not accept liability for OTP or Smart InContact authentication driven transactions. Please refer to the FNB website for the Credit Card Terms and Conditions of Use. • The disputed

I stated Clearly once i've logged the call i did recieve a OTP but i did not enter it anywhere so what now? i even stated it on the Dispute form now FNB comes with this bull**** that i entered this OPT, this is utterly the Worst Bank Ever, no IP adress was checked nothing, now some ******* is sitting with my money smiling all the way because FNB is to ****ing useless to take care of their customers, you are patetic this is the final straw. R3800 is a lot of money, i have a kid to feed but clearly FNB give a F@#% about their loyal customers this is bull****