Payment dispute

Rain deducted 3 months worth of subscription from my bank account after I had tried contacting Rain unsuccessfully to make a payment arrangement because I am facing financial difficulties now. I approached my bank Discovery Bank, the people I have entrusted them with my money only to be told I can't dispute the transactions because I need proof that I have disputed this with the merchant. What is that? Whose money are they keeping mine or the merchants. Seems to like they only worry about their relationship with the merchant and not their client. Started this process on the 27th Monday and I am told they can't go with the fact that I have contacted the merchant telephonically like, doesn't the merchant record their calls, why am I asked to do all this work for my money.

Seems to me they wouldn't mind loosing a client instead of honouring their clients demand.

I don't need this from a bank that I have chosen really.

Reverse the payments deducted on the 20th and let me deal with Rain. I have a contract with them not you.

F***ck!!! 😤😡🤬🤬🤬