Normally, most banks refund failed transfers promptly even without the customer lodging any complaint.
However, this is not so with Access Bank. The staff will wait for you to make a complaint and if you don't or you don't know how to, your money is gone.
This happened to my sister some weeks ago. They didn't refund until she made a complaint.
Today, one of my co worker is complaining about same thing.
I thought the CBN had given a deadline to for banks to address such issues ?