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If money did leave your account you should have had that back by now so contact Steam support.
Thankyou for the reply :D
Paying by debit OR credit is still paying by card an both can be delayed before clearing. This is why myself and others have said to check if the funds actually left your account. I went food shopping this morning and paid by Debit card. Currently that transaction is listed as pending on my account. I also used my credit card to pay for a new tyre for my car before I went food shopping. That is also in a pendng state.
While I can't use the funds in the pending state they haven't actually left my account. If I was to get a refund right now on either card 1 of 2 things will happen. The transaction will be nullified remving the pending status and allowing me access to those funds or I will have the funds refunded. When funds are actually refunded in this way you will sometimes actually have the money placed into your account before the original funds are even taken out of your account.
If you bought the game and refunded it same day, then chances are the money never left the bank, the refund would have canceled the transaction which wouldn't result in a separate refund transaction.
Steam's refund system probably didn't disappear your money, and your bank probably didn't lose it.
People don't balance their accounts anymore, and if you don't understand what actually happened behind the scenes and are stuck on a specific assumption you would see a problem that doesn't exist. 9ne that Valve can't solve for you.