I want my refund because I want to use it now not in 15 days

Standard bank debited me for the bond protection after I have cancelled the insurance and filled the cession forms with my personal policy. They send me letter to approve and confirm the insurance is cancelled, however they still debited. I went to the brand at Westgate mall and was put through a phone to home loan department and Mpho confirmed everything and gave me a ref number that I will get my refund on Wednesday 08/12/2021.I got an Sms that the query has been resolved but with no funds im my account. Today I phone and this unfriendly lady who talk like she doesn't want to talk I think her name is Katleho or something she is telling me a different story that my refund will take about 15 days to be in my account. I need to use the money and now I must wait for 15 days for something that was not my fault that you debited. That is so unfair because now I must make plans to get the money somewhere meanwhile Standard bank is still delaying my refund