Bangkok Bank online debit card taking money and do_not_honor payment

One of the most frustrating things about Thailand

Bangkok Bank has massively screwed up their payment systems

I keep making various online purchases for services that used to work...

now...

OTP one time password via SMS... transaction takes funds from account....  then the bank sends denial code do not honor to the vendor the purchase doesn't go through

you can't get a refund for at least one month, or more... as the system figures out all the money is stuck in limbo

customer support happy talks you with BS and says the payment was approved

there isn't a fix I can think of... my friend has high level connections at Channel 3 HD TV ....  expect to see this on the TV sooner or later, I can't be the only one