Customer is not protected by Bank

I recently purchased airtime R160 using my internet banking app I entered in all details and processed the request which was successful I then checked my airtime and realized it was not loaded on backtracking I noticed that instead of mtn airtime I purchased cell c,however the money was still subtracted from my account,I called standard bank enquiries and complaints resolution as well as CELL C and to my dismay I was told I am unable to be assisted,how is the consumer protected and why was there no error in me trying to load cell c airtime on an mtn network SIM card,if at anytime the incorrect airtime is purchased and on trying to be loaded it will notify you that the network is not compatible,I am extremely disappointed with the response I have received from standard bank as they are unable to assist to even trace back the as to where the airtime is now I have lost R160.00 and no one has benefitted from it either so where is my airtime and why can't it just be reversed if it has not been claimed?i have also emailed standard bank complaints resolution on the day it happened and up until today I have received no response.