Can you say NO to banks??

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My friend transfered money from overseas to me last week, and she already fully paid the remitance fee and service charge from her side. Yesterday, my bank called me that the money has been received and I needed to go to the bank to confirm it. Then, I went to the bank to confirm the money, and a strange thing happened: The bank wanted to charge me service fee again!! I didn't do nothing about the money but confirm, I don't understand why they wanted to charge me for?!! SO, I ,as a payee, refused to pay the so-called service charge!! Anyway, the bank decided not to charge me eventually. I still think that is an unreasonable charge, its not about the money, its about the rights. What would you do, mylotters? Can you san NO to banks to protect your rights?