Charging me for no service rendered

And there it happen again. Charging me , but no service rendered. What is it with nedbank, this is now happening every time , they charge me , but don't send the sms.<br> Please , if you phone me ,let the phone ring more than once before you put down, and then not phone again. This is what you are doing.<br> I am very disappointed with the bank after all these years with them.<br> I want my money refunded as quick as they took it.