Refund for money debited in my account without consent

Motor happy had withdrawn money from my account without my permission, claiming that I have a car insurance with them through MFC. When I contacted MFC, the lady in the name of Makomane Monyemangene referred me to Motor happy. When I contacted Motor Happy I then spoke to Mrs. Sindi Gwaba and indicated to her that I want her to assist with the refund of the money they took from my account, she yelled at me and later hung up the phone with me. This is concerning and frutrsating. Calling these two companies costs me money, which frustrates me because I never receive any useful information.