Excess fee

FNB's *****ulent Charges (Hidden *******ion)- #Excess Item fee I am having a problem with FNB. They have this secret charge to clients called: #Excess Item fee, this secret charge makes them more money far more than the normal bank charges. How they make money out of this charge is that they defer swipes on the FNB account and change transaction dates on the bank statement and bring back those deferred swipes (transactions) to a date where you have a low balance in your account so that they the account can be on a negative for them to maximise of this charge fradulent charges called #Excess Item fee. i.e.

If on the 20th your bank balance is R1000 and you make few swipes amounting to R500 from the 20th to the 21st and you have SMS notifications showing that your balance is R500 because you made swipes amounting to R500. What they do is that they come in on the 23rd put in your monthly bank charges let's say of R800 and change transactions dates of your swipes of R500 you made of the 20th and 21st to 27th and claim that when you made those purchases there were no funds in your account and as a result they charged you #Excess Item fee of R5000, while they know very well that whenever there are no funds in the account no card purchase would have gone through. They change the date and order of the transactions to conviently suit them to claim the *****ulent #Excess Item fees. They know that in the above example if they followed the order of transactions they would have deducted the R500 swipes from your balance of R1000 and then deduct bank charges of R800 and you will be owing them R300 for their bank charges, but why do that while they could get R5000 by switching dates and defering your payments and start by deducting R800 from the R1000 and then deduct R500 afterwards which will mean that these swipes amount amounting to R500 occurred when you had no money in the account and yo must pay these fradulent #Excess Item fee while in actual fact you have an SMS notification showing that when the R500 swipes occured you actually had a balance of R500. That is why FNB deducts their monthly bank charges before month end. I have paid around R3000 rand in excess fees because I paid toll gates with my business gold account paid R600 rand and was charged R3000.00 on excess fee. I have never seen anything like this from other banks.