***** on account

Want to the bank for a replacement card only to find out the next morning when the money was taken from my account a transfer which I did not do not a refrence number showing I had to block my account on the app, when trying to call the contact centre high call volume I can not go the bank at the moment as I am pretty occupied , this Is uncappetable having money taken from your account and when I look at it the was no replacement fee taken of yet aswell.