Unfair Charges After ***** Case Resolution

I recently had a ***** case with Standard Bank, which was thankfully resolved, and my money was refunded. However, after my credit card was finally linked to my app (which took over a week), I noticed several unfair charges that I believe should not be my responsibility:

R72.82 for a Credit Protection Policy, charged three days after the ***** occurred—shouldn’t this be part of the service fee?

R9.69 Cash Finance Charge—even though I never withdrew cash.

R187.92 Finance Charge—unclear what this is for.

R190.00 Initiation Fee—presumably for the replacement card, which I had to collect at the branch.

These charges feel completely unreasonable, especially since the card replacement was a necessity due to ***** (on a reputable pharmacy's card machine, not negligence on my part). Standard Bank canceled the card for security reasons, yet I’m being penalized with extra fees.

I’d like to know why I’m expected to pay for these charges when the entire situation stemmed from ***** and delays on Standard Bank’s side. It feels like I’m being punished for something outside my control.

Hoping for a fair resolution