Garage card annual fee

Standard Bank really disappointed me today. I saw that they debited an amount of R423.72 from my account. When I enquired about the amount I was told that it is an annual fee for my garage card. I told the bank that I was not informed of this card fee and I did not give my consent to have the money taken from my account. I am appalled by this!! I pay my monthly subscription fee which, as I was told, INCLUDES the garage card. So where does this come from?? I phoned and was promised that someone would come back to me. No reply. I will consider changing banks because I cannot trust a bank who just takes your money without your consent. Surely it must be ******* and definitely *********!