Non Refund of Adobe subscription

I had a CC yearly subscription since 2017. End of 2019 I closed my company, servers came down and everything else associtated with closing a company. Had a lot on my mind and totally forgot my CC subscription service which I was paying $4656 (HKD) per year.

Digital Rivers continued to charge my credit card despite no log-ins to the account since that time.

This year as my buget was very tight, I noticed a charge for the above amount and saw it was Adobe. I went back through all my statements and sure enough I got charged 2019, 2020, 2021, and 2022. I managed to get full refund for 2022 and they told me I would be refunded for the previous years as well.

Many emails and phone calls later with the call center, and I keep getting told its been approved, wait 7-15 days. then end of each 15th day I call and I'm told its approved, and now escalted .... then I got told I will only recieve only 20% of the original charge as a refund!! but yet no money

I am seriously wondering if I should lodge a formal complaint with the Australian Consumer protection for the full amount because either Adobe or Digital Rivers is dragging their heels on this matter