Bank Of Baroda — Refund not been received

Address:

Farakhpur, jagadhri workshop, yamuna nagar

I ordered products from nykaa which I didn’t liked so I returned them the refund was initiated on 4th jan but I haven’t received ig yet and then I returned something from meesho that too I haven’t received and same is the case with Urbanic now i had to return some products now too but I’m afraid I won’t receive that money too.
I don’t know what’s wrong with the bank now the only thing i can think of i closing my account i am that pissed.