When a bank shows a charge but no funds appear in fomo, the deposit did not complete after the bank authorized the payment. fomo never received the funds.
The charge is a temporary authorization hold placed by your bank when the transaction was initiated. Because the deposit did not complete, no money was transferred. The hold is released automatically by the bank within 1 to 3 business days. In some cases the pending charge drops off the bank statement on its own before that.
Weekends and holidays do not count as business days. If the hold has not been released after 3 full business days, contact your bank directly. The bank can trace the authorization and confirm it was for a transaction that did not complete. You will not need any information from fomo for this, the bank has all the details on their end