MSA REFUND

Im honestly so upset that Discovery has wasted my time in terms of my MSA refund, i left the scheme 4months ago and i was informed that my refund will be send to my account after four months, i even changed my banking details with them when the 5th month came and i call to find out the refund im now told that it will send to my new medical aid , when i was never informed about this as the information i was sent said IF I WANT TOO SEND IT TO ANOTHER SCHEME it will happen after 4months as well , this is honestly not accepted the agent i have been communicating with have been wasting my time why was i not informed about the correct information... now im been told oh sorry we apologies for wrong information.... i do not agree with this and i really cant stand bad service and this what i have received from Discovery....im going to lodge a formal complaint