False Information ! Did Not Advise Me Correctly!!

On 15 August 2015 my cheque card was cloned - I received 2 sms's advising I'd gone shopping at Sandton City when in fact I was at home! I duly and diligently called the Nedbank Call Centre and stopped my card. The lady on the phone advised my that I must go into the nearest branch and complete a dispute form, and order a new card. I shot up to the Nedbank Nicolway and did exactly that. The lady behind the counter even made a photocopy of my card and said \just in case they ask for it". I was told it takes 45 days to investigate"