How you gona debit a customer for a phone you dont

How on earth can you debit a customer for a phone you yourself dont even have stock of, did an application for a phone, my account got debited, but I dont even have the advantage of the use of the phone, but I am paying for it already, everytime I call I get told no stock, is that even legal to debit someone when goods have not been delivered, and I am loosing out on the data I should have been given after my account got debited for the installment. This is ridiculous