Account closure

Standard Bank debited the full instalment when my balance was less than the instalment amount.

I contacted them and requested for the account to be closed and the funds to be refunded back to my account.

I checked my statement the account is still open and back to a owing balance with lots of reversal on the account but the refund was not paid.

I was advised that the refund would take 5 business days , today I receive a SMS that the matter has been resolved but still no refund or closure of my account