Disappointed - Money Lost in my Tymebank Account!!

I need to make people aware of the risk they are taking by using Tymebank for their banking. I performed an online transaction on the 01 January 2022 and paid with my Tymebank Card details. Unfortunately the transaction was reversed by the retailer concerned due to lack of product. To date the money has not returned back into my account and I sent emails and called Tymebank over and over again but they cannot trace my money. The retailer sent me proof of payment reversed on the 06 January 2022. TYMEBANK has now decided there is nothing they can do because they can't trace where the money deposited into my account went to. It makes it worse that they have NO physical bank to go to for follow ups and I spent so much money trying to call them for follow up. If you are thinking of using Tymebank for your salary or business transactions like I did, beware if it doesn't reflect in your account for any reason: You are on your own!!! I am really disappointed especially because no one seems to be able to help me recover my money.