Poor investigation and poor decision

On Friday that 26th of July I received my pay from my workplace after receiving my pay in the morning at around 10:00 I went to boxing store to buy grocery and therefore I increase my limit to the maximum limit of 9,900 now after I made my purchase of 2001 103 Rand from boxer I wanted to withdraw money from the ATM but couldn't because the ATMs that are there where being vandalized so I resorted to lowering my withdrawal to 100 Rand later on that day I went to Manhattan pub and grill I used my cards couple of times but did not withdraw any money I could only buy using the card on Saturday morning I wanted to buy airtime but then the transaction could not go through I logged onto the app to check my balance and realize that on the current balance side the balance was still reflecting but on the available balance side the balance was not reflecting it was minus couple of Rands I called in to the call center and the lady that i spoke to of which i have forgotten her unfortunately she said to me that there was a system maintenance and the money will reflect back into available balance so I relaxed and was waiting for the money to reflect back and on the following day on my way to one of the stores to make another purchase of groceries I got SMS notifications of money going out of my account and that is when I block my card because then I could see that there was transactions that were going through while I was still having my card I blocked my card and then I called into to the call center and the lady will it told me that the transactions were from the previous day which I had no idea about because on the previous day I checked the statement and there was no transactions that were reflecting so when I asked her about that she said to me sometimes it takes a day for transactions to reflect on the statement now after all that has happened I love the case of ***** in July I did not get any feedback from the bank app and till I decided in October to call the bank and then the guy I was talking to of which is name is mlungisi told me that he is escalating the matter to management to find out why the case hasn't been resolved for such a long time a week after I called in I only got 300 Rand as a reimbur*****t from the amount of 7,000 + that was taken from my account and when I called in I was put on hold for more than 20 minutes for more than five times and calls would just hang up without getting any answer and today the 7th of November I finally got hold of the card ***** department and then was told that my case was dismissed because they did not see any significant reason to verify that my money was *****ulently taken from my account because a chip was used and therefore deemed it in *****ulent from all the transactions that were made only two of them where refunded so from more than 10 transactions only two with it to be *****ulent which equal to 300 Rand from 7,000 couple of Rands which is unfair I'm very disappointed from the nedbank team from management to ***** department poor investigation was being done and poor decisions were made