United Bank Of India [UBI] — unlawful and unjustified bank charge deduction

Address:Kolkata, West Bengal, 700054

Cph/mms chgs
This is written in my passbook and ubi app.
And on 20.06.19
Rs 120 has been deducted. My bank doesnt have any info about it. Nor did they provide any. Please refund the amount.
I have been asking around and no one can tell anything about it.
Why would bank charge me for mms??
I get my yearly sms charge.
There is no explanation whatsoever on this topic.
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I cancelled my train ticket through phone pe app at 16 th june 2019 the refund was made by phone pe at 18th june 2019 but refund was actually not made the phone pe translation id was T1906161540468344429272

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    United Bank of India [UBI] Phone
    +91 33 2231 0513
    United Bank of India [UBI] Address
    11 Hemant Basu Sarani, Kolkata, West Bengal, India - 700001
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