Bad service

I have loan account with absa which am done paying it by end of april, however April,May and June my account were deducted I have called on those months for then to refund me the process took very long and got refund after days, today I have spent 20 minutes on the phone until was placed on hold for supervisor which he or she never pick the phone for 8 minutes. The services is very bad and inconvenience a I really need to use money.