Discovery health members are clearly funding the failing discovery bank!!

This has been the worst experience to date with discovery, since the banking business launched i am sure we as the health members are paying for this venture as the level of unfair practices have increased. Discovery has taken money from my account 25 November which was not warranted given I had done a plan change. it is 5 December and I still do not have my refund. I phoned 1 Dec and was informed the refund would take 2 to 3 working days. I phoned today and i have been informed that it will take 5 days from today. The companies' inability to manage working capital is impacting us customers and it is completely unfair. No one seems to be able to help, it's ridiculous and unacceptable!