Unable to get answer from call centre agent

I phoned one of your call centres at 7h11 this morning to query why a payment I had made had been returned. After spending ten minutes on the phone, I got nowhere and hung up. I suggest someone listen to the recording of the conversation because I get the feeling the call centre agent really did not know what she was doing.

I still need someone to tell me why a payment on my card has been returned. I paid bank charges and everything for this payment to be made.