Poor service: waiting for my refunds for 3 weeks

I settled my loan account with FNB on the 16th of May but somehow they still debited my account with the instalment amount, what makes this worse is that the instalment went out 3 days before scheduled date, it also created overdraft charges on my cheque account. I reached out for a refund on the 20/05/2025 via secure day and I was told the money will be refunded with 5-7 working days, its been 3 weeks now and I’m still waiting for my money. Also made a purchase 2 weeks ago and realised that the transaction triplicated on credit cards transaction list, reached out again and they made fill in a PDF form in 2025 despite having all the necessary information.

I’m wouldn’t recommend this bank to anyone, the service is horrible but then again service delivery is a problem in this country even in the private sector