Bad service,make a client go without food

I have paid off my loan on the 29th July 2020 ,got settlement letter 07 August 2020. I have been debit 26 August 2020.Called from 26th August till now to get my refund ,calling three times a day ,spoke to manager Wendy last week till now no answer called like 20 times today no response.Did not get feedback ,explained my plee as that was my money for food and other debits.Had unpaid on my account charges r300 unpaid fee from bank ,direct axis really has no sympathy for clients at all.I need my money and my bank fees .How can yourl can make a client suffer in this way and demand money back,that belongs to me.Yourl should give me a gesture of goodwill for the pain and calls i have made.