Un Authorized Deduction in my bank account

Microsoft have deducted money in my Bank account and they don't wanna refund me my money , I bought Microsoft Family Office 365 online and they couldn't get funds in my account on 16 November 2021 and cancelled my service and I bought another Package from VanSchaik at Maponya as it was a requirement at my work to have full office on my new Laptop and then on 24th December 2021 they went into my Bank account and debit money and I reported the matter with my bank and they referred me back to Microsoft to pay my money their Head office are refusing to pay me my money back so I have bought two Microsoft Office package and they confirmed even over the phone that they were not permitted to deduct my money and the consultant said they cant pay me my money , I want my money and I will report them to the highest authority for their unfair practice they are doing to their client by deducting money without client permission.