City Union Bank ₹40000 Failed UPI Transaction Refund Delay

I am writing regarding a failed UPI transaction from my City Union Bank account, where an amount of ₹40,000 was debited but has not been refunded to my account. During the UPI transfer, the transaction failed, yet the amount of ₹40,000 was still deducted from my City Union Bank account and the beneficiary did not receive the money. When I contacted City Union Bank, I was informed that the amount has been debited from my side and that the refund issue is on the opposite side, but until now the money has not been credited back to my account. Because of this issue, a large amount of my hard‑earned money is stuck and I am facing serious stress and financial difficulty. I clearly state that I need my money back and I do not accept any further delay. I request City Union Bank to urgently trace this failed UPI transaction, coordinate with the other bank if necessary, and immediately refund the full ₹40,000 to my account without any further excuses. I also request written confirmation of the refund and an explanation for the delay. I expect a very quick resolution of this matter and an immediate refund of my ₹40,000.