Hi Kelly, unfortunately I have seen this before. NAB should have received your payment and had no where to allocate it and sent it back to ANZ. As it doesn't appear this has happened, it's probably safe to assume NAB have allocated the payment to one of their account holders and that's why you are hitting a brick wall. I would do 2 things. 1) Go back to ANZ and have them lodge another dispute and 2) contact NAB directly. Explain the problem and find out what the process for disputes is from their end. That way you will know how ANZ and NAB are handling it and hopefully be able to sort it out. Good Luck!