Fnb money making skeem

Good day it's a big concern as one transaction fail to go thru even if it's R10 the bank charges you every time between R110 and R190 if you dont have funds available this was accumulated over R8000 in a period of a month.

But as soon as they debit your account mistakenly you have to wait between 7 and 21 working days. Now the question remains why cant we charge the same for a wrong transaction this is surely in bridge of their contract. To top it of I had to suggest to Winey the team leader at fnb connect how to phone her financial department and request how to assist and give me reply it's sad as I am the only breadwinner and need the funds to look after my family this is disgrace as the bank is sitting with millions of rands and my family must suffer