FNB

I have been charged exorbitantly on service charges and international atm withdrawals. Moreover, my overdraft is not working and repeatedly receiving late charges for transactions that seemingly go off my account the same time I swipe but then recharged when the pending transaction goes through? It shows it's been taken out of my account and put in balance until the transaction is completed but once it is successful it further takes money out of my available balance. Either it is double charging me or it is not keeping up to date with my transactions and making me think I have more money than I actually do, making the two accounts balance and available balance obsolete. Further, when I spoke to a consultant she said she could not explain the process but that I wasn't being double-charged, which is not reassuring. Everything is not transparent when it comes to the layman doing their banking and all round irritated with their procedures and hidden costs at this point.