LDS Account is the primary user account (user name and password) for accessing online Church resources. This forum is a space to discuss all things related to LDS Account (registration, account recovery, user experience, vulnerabilities, etc.).
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You need to contact your ward clerk and bishop. Your ward clerk (or finance clerk) will need to contact the global service center for instructions on how to proceed. Most likely your bishop will have to provide a statement to the church about why not getting a refund will be a hardship so he needs to understand the situation. If you can just consider it pre-paid tithing and just not pay for a while your bishop may recommend you do so. If the refund is approved the whole process will likely take at least 5-6 days but possibly longer.
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