Sub standard service!

I issued a complaint about 2 weeks ago about the fact that I have not received the necessary refunds on declined card transactions, which were in fact deducted from my account.<br> <br> I was contacted shortly after the complaint, and asked to submit all the proof of these transactions. To my frustration I fulfilled this request, after having went into Standard Bank last year sometime to physically try and sort out the one transaction, which was unsuccessful. Again, I have received absolutely no response! Not only is Standard Bank's service poor but it is completely lacking. I would expect such a bank to be able to keep their own paper trails, which is why I cannot understand why something as simple as this can not be sorted out in due time. Since the first transaction it has been more than 3 months and still no refund of MY OWN MONEY! <br> <br> I pay the bank to have the luxury to swipe my card when making purchases. Not once or twice was my card transactions declined and the money not refunded, but three times. This is absolutely unacceptable. I now have to waste my time and resources to sort out problems that are not my responsibility.<br> <br>