Refusal to refund overpayment.

This bank and processes are terrible. I disagree with your comments. The money is not yours to allocate!!!!!! Why does one consultant say that it would be refunded and then you say it won't. I am furious with this comment and it is utterly ridiculous that because your system and processes are so backwards that the customer has to suffer. I am sick to death of Discovery Bank. The account is always paid well before the due date and this NONSENSE that when overpaid it cant be reallocated or refunded is absolute BS. This is the exact reason I cancelled the debit card facilities with you. Your bank sucks! The process sucks! Your service sucks! Try get some customer service going and maybe you would be better.