FNB complaint

HOW DARE YOU take money out of my account for a service that I have never used? I app**** for a Revolving Loan. It was approved, added to my account, and then after-the-fact it was denied. I therefore, obviously, did not gain access to nor use any loan money. But I have just been debited R375 for use of an account which I cannot and have NOT used. The fact that it was approved in the first place, and then subsequently declined, boggles the mind a bit too. This is not the only issue I have with FNB. I need this to be sorted out immediately. I have been an FNB client for 15 years but will happily move to a bank that actually cares, if FNB doesn't help me.