Disappearing money

Yesterday I made a card payment at the doctor which then showed as a declined payment due to insufficient funds ( while I had sufficient funds available for the payment) I was then also charged an insufficient fund fee but still my money that was supposed to be “reversed in 24 hours “ has not been reversed back into my account ... after numerous calls to the call center and passing the buck I still have not received a call back from the invisible Manager who was “in a meeting “... new story “ we are experiencing a technical error and can’t reverse the money but our it department will deal with it” .... another customer DISService !! I do not want this resolved by 30 July But demand that it be reversed NOW !