Disgusting service to a long life customer

I need help with a Microsoft/ banking problem as I am illiterate in both. When updating Microsoft there were two programs that asked for banking details (Drive Cloud and Moreflex), as there was no charge thought it would be ok. When I got my OTP number from Absa it was confirmed on the sms pay 0. I have just received my bank statement and there are two charges for these programs R695 each. How is it possible you authorise 0 payment but someone can deduct any amount for your account. Absa are their normal useless self and say I must email Drive Cloud and Moreflex to find out why. Even though their sms stated pay 0. How do you begin contacting these people in the clouds. You try with Microsoft and all you get is, not a recognised question. My next question for Absa is how do I transfer to FNB.