FNB Excess Charges.

FNB Excess Fees Am not happy with FNB. There is a secret charge called Excess fee. As I chat with their agent on the App, they charged me Excess simply because when a merchant decided to take Reserved funds my bank was one R0.

I don't understand how my running balance affect Reserved funds in this matter because at time of transaction, the fully transaction amount was set aside ie Reserved. This means the merchant is guaranteed of their payment. I don't have access to this reserved funds at all.

Now am charged again for that transaction because according to the agent, my available balance was negative at the when the merchant decided to take their reserved funds.

This doesn't make sense simple because 1. The merchant had reserved their full transaction funds at time of swipe. 2. I cannot use these reserved funds and no cards transactions can go ahead at R0 balance except bank monthly and service charges. 3. I don't have control of when the merchant takes their reserved funds, their funds where safely set aside. 4. Having a negative balance doesn't affect or reduce reserved funds.

What am I being charged for here? Please FNB respond.

Thank you