Refund and no cash received for a week!!!!!

I had originally bought a cell phone cover at MTN at Bedford Centre. I took it back 2 days later because I found a better one elsewhere. Due to paying with a card, they refund it onto your card and do not give you cash. The amount did not reflect the next day. They then told me it takes 48 hours. After 48 hours they said they paid it out there's nothing they can do for me. It has now been a week and a half and i still did not receive the refund. I work at a bank so I am able to check on our systems. There was no indication of a refund on my account. The consultants at Bedford Centre treat me like a I am a begger asking for money. This is the third bad experience I have with MTN for this month. I have been a customer for over 10 years and am treated like this. I will never recommend MTN to anyone unless they are complaining then i will assist. The service I've been receiving is pathetic.