Banco Popular de Puerto Rico Bank Account Or Service Complaint

Banco Popular de Puerto Rico Bank account or service department,

Checking account Using a debit or ATM card Virgin Islands

My - debit card was mistakenly given to somebody else at a restaurant. My card was used by that somebody else to purchase $75.00 worth of shipping at the post office. My bank did not inform me that there would be a $50.00 surcharge added to my account for their " services ''. The investigation took two months and in the end only $25.00 was rebated back to my account. Does n't the bank have the obligation to inform me of this $50.00 surcharge that they claim is federally mandated? I would n't have wasted my time filing different claims and having the headache that I did, had I known they would be charging me $50.00 to get back my own money ...