Broken promises and bad service!

We bought my engagement ring in April, after wearing it for 3 months, the stone fell out. Subsequently it was sent back to HO and according to them it was replaced with a new ring. We collected the new ring last week Wednesday, and on Thursday when I put it on, the exact same stone fell out. So clearly it was not a new ring.

As a result, we went back to NWJ Mall of the South and requested a refund. Thembi the manager did a refund on my card but the funds are still not reflecting in my bank account. I requested an immediate payment/EFT to be done today 19/08/2019 and I am till waiting for the money to be in my account. This is totally unacceptable!!! Why must I fight to have my funds returned??