********** charges by FNB

I'm starting to get peeved with these extra hidden charges aside from my usual monthly bank charges. For some reason I would get charged a fee called item paid insufficient funds and the charges would vary from R90.00 and yesterday again R45.00. The other day it was a fee for value added service which just gets added on top of each other.

At first I was looking for the date that is mentioned when the charge is posted for where I had insufficient funds but it never adds up. FNB would never pay for something on my account unless there are sufficient funds, however what they are doing is have transactions pending even after they have been paid and then move it out of pending and perhaps that's how they say item paid insufficient funds. This is a ********** scheme by FNB and I want my money reimbursed