Standard bank is a ****

I paid off my car at standard bank,they deducted money instead of disputing the debit order since I've paid off my car , they promised to refund back 4780 on the the 5th every time when I call they promised me money will reflect into my account,the consultant assigned to refund me has decided not to refund me I have never given any concern for my money to be used other wise I want my money,Ii think they don't know about the consumer act Ithey are taking advantage and lying to clients firstly I waa paying for balloon payments I don't know nothing about