POOR SERVICE - I WANT MY REFUND BANK NOW

I have a Life Cover Policy with FNB from February 2021 - April 2021 they have been double debiting my account with an extra R389.23 every month whereas my Policy is up to date, meaning for a Life cover I now I have been paying R778.46 instead of R389.23 what annoys me the most is the fact that you cannot get assistance over the phone, consultants simply tell me they have forwarded my query to the right department and they don't have turn-around times as to when will this be resolved in the meantime I must just wait. I need my money to be refunded to my bank account ASAP. FNB is not the only bank that have such products, their service stinks because even if I go inside the branch to ask to reverse these debits I am going to be told it will be redirected to the right department and I must wait while they are doing investigations while I am paying ridiculous amounts monthly, who pays R778.46 for a Life Policy I cannot even reverse these debits because anything above R200 I must go inside the BANK. I want my money bank now.