FNB's Creative accounting

I have had bank charges charged to my account for transactions that were reserved and put through later. FNB suggests that I used cash from my account that I did not have, how is this possible I do not know. I have been dealing with Zenith from the business banking unit who tells me that the \back office\" said so. who is this back office I do not know. <br> <br> below is the response I got, which is pathetic when you are dealing with someones money. <br> <br> kobi, Zenith Dumisani <br> Feb 22 (2 days ago)<br> <br> to me <br> <br> Good day sir,<br> <br> As discussed, herewith the official response that we have received in respect of a request to reverse the fees. As the reversals are done at the discretion of the team in question, and only in cases where there was an error, we are unable to overrule the decision on the reversal.<br> <br> Warm regards,<br> <br> irst reminder: please complete request for your attention.<br> <br> Request R*** requires more information<br> <br> Request Message:<br> Why we reversing as a gesture? bank is not at fault, Bank has no control over merchant that banks transactions late- client need to leave the funds they had available when doing the transaction."