Why isnt my debit card credited immediately for an instore return

GetHuman-kleavel's customer service issue with Old Navy from August 2018

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The issue in GetHuman-kleavel's own words
Online Order *TKC*XQH**I received my order promptly by mail. However, the items were too small so I took them to Old Navy location ***** Dallas, Texas. Unfortunately, the store was sold out. I waited in line and finally reached the cashier. I ask her to refund my order. She explained that the money would be immediately credited back to the debit card that I used to purchase the items online. That has not been the case at all. I needed that extra money to purchase my daughters school uniform shirts ASAP. She started school today and had to wear an old faded shirt from last year which was to little. Had I been told my debit card would not have been credited immediately I would have taken the items and tried a few different Old Navy locations. However, that option was not afforded to me. How long before my debit card it credited? I feel if I paid old Navy upfront in good faith with a debit card which is the same as cash...I should receive that money back just as quickly as it was taken from my account.
I want my money ASAP
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Old Navy

Customer service issue
Reported by GetHuman-kleavel
Aug 13th, 2018 - 7 mons ago
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GetHuman-kleavel started working on this issue
Aug 13th, 2018 3:45pm