Bolt *****ING money from my account with no recourse for me.

I ordered a ride from my local shopping centre back home. It was a R41 quoted fare. About 15 minutes after being dropped off I suddenly see a bank charge of R137 come off for Bolt. I immediately queried with the driver via the app. The driver apologised and said it was just the signal on his phone that was lost and it apparently happens all the time. I escalated this to Bolt Support. The response i got was that they would load R97 Bolt credit to compensate me. How does this work that you take MY money from MY account and then designate that cash as Bolt credit unilaterally? How is this legal? Its theft!!! Or can Bolt just overcharge everyone and then give them Bolt credit even though they don't want Bolt credit??? I have a very tight budget and have to buy baby formula. That R97 is a big part of my budget and Bolt decided to grab it and keep it and the only choice I have in the matter is to use my R97 that was designated for baby formula... for a taxi ride. Several support messages back and forth every time they just reinforce that they only refund full amounts. Well they SHOULD have reversed the entire R137 and then charged me the correct fare of R41. Bolt has no legal right to do this and I will be taking this further as my uncle is a lawyer.