Disappeared funds

I deposited funds 1 June 2020 from my standard bank credit card to an absa account which i was told the next day by the absa accountholder that it was closed. I immediately contacted both banks which Absa confirmed the account is closed and it will bounce back to my account.i was told by Standard bank the same thing. Day 8 i logged complaints at both banks. Absa advised that the money is with Standard bank and Standard bank is liasing with Absa. In the meantime I have to repay Standard Bank service charges, interest and the actual funds while i dont have the funds or use of it. Surely this has happened to so many people before that they would know by now where the funds would have gone to and the process to follow to return the funds. I am so frustrated by this that my next step would be to go to the ombudsman for banking . This is a finacial loss for me and some bank is gaining interest from my money.