Refund For An Authorisation Transaction

I recently noticed that two unauthorised charges of 19.90 USD each were deducted from my bank card in Ghana, issued by Stanbic Bank, in connection with Findandloc, even though I have never created an account or logged in to your service. The first deduction was made on 29/05/26 as a POS transaction, and the second deduction was made on 29/10/26 as a purchase transaction, both without my knowledge or consent. When I tried to check this on your side, I was asked to log in, but I am not a member and have never registered with Findandloc, so I could not proceed or see any information about these payments. I believe these transactions are unauthorised and possibly the result of an error or misuse of my card information. I request a full refund of both 19.90 USD deductions to my Stanbic Bank card and the immediate cancellation of any Findandloc subscription, service or account that may be linked to my details or card without my explicit consent. I also expect written confirmation that any such account has been closed and that no further charges will be made to my card. I am attaching screenshots of the bank transaction and SMS notification so you can identify the payments and investigate the situation quickly.