United Bank Of India [UBI] — fraud debit

Dear UBI,
Yesterday i had tried to load money in vodafone mpesa.
Amount is deducted from my account but the transaction was failed.
Please refund my money.
Today you again debit 23.56 rupees from my account.refund my money and you have charged me unofficially. What happen to your bank.
And your bank has charged without giving any information.
Kindly take action on them otherwise i will go to consumer forum and kindly reply of my mail.
Account no:[protected]