Absa bank declining my refund after making arrangement

<p>Absa bank on 23 December debited money from account almost half my salary after I made arrangement in November to settle the discount offer end of decemeber. After fighting on Friday the only thing they could say is sorry your refund has been declined as if I am taking a loan. I am so fed up with absa bank and want my refund so fast as possible because this case will go to the ombitsman. Thank you for **** service and your consultant was so rude to me on Friday afternoon I felt so dissapointed. </p>