Debiting my account unknowingly

On the 10 April 2015 money was debited from my account which I queried as a ********** transaction as I didn't know what the online transaction was for. The money was then returned but then deducted from my account 3 days ago, 9 June 2015. I now have realised that it was a transaction that I did in October of last year in which after 6 months i never received the goods purchased hence I forgot what the transaction was. FNB has deducted money from my account without even a call prior to deducting the cash withoit explanation or reasoning! Yes they say they have received documentation from the consumer that I did the transaction but I have not received any goods and want a full refund bank charges included for my now overdrawn account. They are so quick to defend the consumer and not me as their client! I've contacted the consumer and they say I have to contact my bank about the discrepancy as the goods was not sent to me, and after numerous emails and calls to FNB I still have not had a response or call!