Getting Customers into further loss when help needed!

Talk about kicking a customer when they are down. A payment was taken from my card that I did not agree to and I did not receive the services either. I raised this with Google Play and with the app developer and both sides are telling me that the other side has to refund me and now we are at a stale mate. I then contact my bank and I am told the following; There is a dispute fee of R80. If the dispute is successful then this fee will be reversed as well as the unauthorised funds taken. If the dispute is not successful then I lose this dispute fee as well as the funds I have already lost. How does this make any sense? As a customer I have already lost money so by going to my bank to get this money back I stand to lose even further? Why then would I ever rely on you as my bank to have my best interests at heart? This is absolutely ridiculous and no other bank that I deal with charges for such issues.