Less than pathetic service

After being debited twice for the same loan in the same month, the thought or prospect of a refund is fading. After approximately an hour and ten minutes of waiting to just make contact with an call center agent, there was no interest in wanting to assist in this matter. It was the usual stone walling of "need to send an email " and "sorry, we don't have their direct number only an email address" and of course, all the Supervisors were conveniently in a "meeting" and unable to assist. It is surprising how quickly said company can contact a person and bully and threaten that person should a payment not be made or short paid. I wonder what would happen if I just left the double debit and stopped payment next month, after all, they already have the monthly premium.