Refund due to incorrect debit

Received an apology sms from Discovery for incorrect debit from incorrect account. I do not know how you can decide to debit any account as you please. This I'm sure breaks all regulatory rules! <br> However there is a fee involved for the incorrect transactions. Discovery must reimburse me for the two transactions: debit fee, reversal fee and the charge for no funds available for the transaction. The total came to R96 (-R18 debit fee, R-18 reversal fee and -R60 for no funds) I await your response.