Unhelpful manager

I arranged to settle my credit card. You debited my account with R19060.37 yesterday and then shockingly you go and debit it again this evening. I have to waste my airtime calling and being put on hold and told to wait 3 days for a refund because of your error. I AM NOT WAITING 3 DAYS. I now have no money in my account. I have 3 children and no money to even get to work. Manager didn't even want to speak to me. If the money is not transffered and reflecting in my account tomorrow I will go to the ombudsman and the NCR and get a lawyer. Why must I pay for your mistake.