Punjab National Bank [PNB] — amount deduction

Address:

Chandigarh, Punjab, 160103

Hlw all

M Gurmannat having saving a/c in PNB at Kansal branch, S.A.S Nagar mohali (P.B) (IFSC- PUNB0777100) . On 26th January 2018, i've made an imps transaction for rs. 2075.72 Rs and the amount was debited from my account and the same time my beneficiary didn't received the money. I've made several complaints via phone email and website. But still now there's no response from their side.
Today i've contacted to the customer care and they are saying that i have to wait for another 45 days simply. I need my money at the earliest. Why do i want to wait for 45days. That's my money and bank people's...