Refund

I went to the store to do a lay buy and a consultant advice that I open some account that I put money in it then use it when I want to buy as the account is not expiring unlike the lay buy. The merchant I actually wanted to buy they did not have and I managed to buy it from another store. I requested my refund as I will not be buying from them as they do not have what I wanted and I therefore want my money back and they are refusing with my refund. Please assist as I do not wish to do any business with them andbis my right to be refunded the money I paid. The kind of service I received from this store is very cold and the staff is very rude to clients. No store has any right to refuse customer with their refunds if they are no longer interested in their services. The money was paid in a form of direct bank deposit and they said I must wait for someone to buy in order for them to refund ne and I told them that I will like my refund the same way I made my payment and since I have sent them my proof of bank account and certified ID copy as per their request and to this date I have not heard from them, I need my money from this company urgently so, I have a right to be refunded