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If the purchase did fail for any reason on Steam's side of things, then you probably just need to be patient. Your bank would still have your money, it's being held until they're certain the transaction succeeded or failed.
This sort of thing comes up a lot, I think because so many things are instantaneous and banking stuff often isn't, even when it appears instantaneous from your perspective it's usually not. And the customer support staff you're dealing with probably don't have the tools or powers to short circuit bank processes and speed them up. So you just need to be patient, there's probably not much to do but wait.