Transaction declined at the store whiles I have money in my Tyme bank account

Yesterday I went to purchase at woolworth, using my Tyme bank account, spent R976.60 and didn't have cash on me neither my other account had cash. The transaction declined but got deducted from my account and never returned back. I didn't have money to go back home and had to make phone calls to borrow money so that I can get home whiles I have money in my account. The least that the bank could have done was reverse back the funds to my account like any other bank would do. I had to leave those items at the shop as I didn't have enough money left in my account to pay for those items.We called other near stores to check if the clothes I bought they have and unfortunately they dont have. This was supposed to be my kids Christmas clothes.Im a single parent who wanted to make her kids happy to have Christmas clothes like other kids but no Tyme bank decided otherwise. Now I will encour expenses to go back to the store and but those clothes as I asked them to keep them for me and that will be for 48 hours hours, I now must buy airtime and call them to redeem them again and my money is not back in my account. I want my money asap the money must be reversed back to my account.