Absa not informing their clients

<p>So today, I receive the sms from Abas stating that my Cheque account is arrears with R120.77. I was in total shock because this has never happened before, Called their customer care line, They informed me that I made a purchase for +-R322.00 end Sept and that the place where I made my purchase on the did their banking the 4th of Oct, meaning that I had insufficient funds and Absa, being so nice, decided to pay the difference, without my approval and now I owe Absa. So I asked the consultant how is this possible? As my mobile banking and Absa App on my Andriod phone tells me what is available to purchase and yes I know the difference between Balance and Available funds. I have had my Savings since I was a student, prior 2003 and now few months back I opted for a Gold Cheque Account because bank charges were getting too much on the Savings account. NOBODY and i Mean NOBODY told me about the fact that my Cheque account has this amazing ability to go below 0.00 balance. Why is this possible? The bank where I got my card, Cape Gate branch, didnt explain nothing of the sort to me and probably so many other clients as well. And obviously when they can't assist you on the phone, I have to go into the bank to get this the time? Time that I do not have. So how is this possible? I asked the consultant and his supervisor what will happen if I take out my money of my accounts? And I don't pay? Then my name becomes bad, bad credit record for not paying Absa because of something they didnt explain to me. Utter nonsense. Everybody tell me Absa is **** but I stuck to my bank and look how great they repay loyalty. And its not about the R120.77, the money isnt the issue, its the fact that I wasnt told or even given the option to decline this type of incident from happen. If my card was declined because I didnt have enough money, that would of been even better, this is really terrible service from a Bank that is suppose to one of the best and biggest.</p> <p> </p> <p>Really ****ed off client!!!!</p>