Charged for a replacement card unknowingly

I have had a Moneybuilder account for years and have never received a replacement card. I decided to get one. I went to the Forest Hill Mall branch, was assisted by a nice lady. She did everything, I requested a PIN and then she said I could go. I went to withdraw money and noticed that over a R140 was taken which I couldn't understand why. The que was too long for me to go back and enquiry. Upon doing research I established that I was charged for a replacement card. I was not informed of this verbally nor did I sign anything confirming that I am in agreement. If I was told I would have not gone ahead with the replacement. I think it's unfair and ridiculous to be charged for a card that probably expired ages ago and was never given a replacement. This is one of the reasons I moved from ABSA no disclosures.