FNB insane charges

Good day

My name is Brian and am an FNB account holder with FNB

I have serious concerns with unpaid charges that am seeing in my account month after month and I do not agree with them. I wonder how many FNB users have realized this ridiculous charges.

What happens is that I made purchases when there was funds in my account. To be specific on the 20th, the transaction went through but pending. Now this pending transaction on the 24th goes through by then there is no funds in my account. on the 25th am charged 120 for each of this two specific transactions.

Bare in mind that I have no overdraft facility with the bank meaning that at any point of sale If I make purchases which exceeds the balance in my account my card will automatically decline. The fact that this transations goes pending its a clear indication that they were conducted when there was sufficient funds. So the lady from the bank tells me that they have control of merchants banking times, and neither do I. So in essence is telling me their customer that they penalizing me for the merchants who decide to bank at their time.. And secondly what the bank is telling is that I must use my card at my own risk even when I have money in the bank.

Mm not a banker maybe am failing to comprehend simple basics but am not stupid to see when am being **********.