How do I retrieve my money back 122.95 from a work at home program that states 100% $ back and?

Let me guess, they convinced you to participate in a get rich quick scheme, (which is oh so close to the word scam.)They've lied to you all along, now the account is closed, it's against policy, etc. ad nauseum. The goal is to get your money and give nothing in return. I'm ashamed to say my bank account has taken a few dents through the years through my naivete. Think of it as if you just paid for a lesson on scamming. Don't do it again. Scammers have no morals.