Unfair penalty

On the 28th January 2020 I went into ABSa Vaalmall to change my account.It was done by Lucky.On the 29th January the amount of R190 was deducted from my account.I went into the branch again and was told by Lucky that it was aerror from ABSA as my monthly fee is always deducted on the 1st of every month.A penalty fee of R100 was deducted on the 1st February because there was insuffitiant funds available.I went i to the branch for the 3rd time.Lucky told me that the R100 will be refunded.Today is the 26th February and still no refund or explanation from ABSA.