Gun to the head banking

I have been a FNB customer for a while now and have become disillusioned with the excessively high bank charges. I opened an account and Capitec and have tried twice now to pay a substantial sum from my FNB account into my Capitec account and both times the payment has failed. FNB could not give me a reason the first time, but the consultant speculated that the payment was not made because the bank suspected *****. Fair enough. But to refuse to make the payment a second time and to return it to my FNB account without consulting me is absolutely NOT ON!

FNB fix your issues URGENTLY!

Let me have MY MONEY - it's not yours and you don't play god with my bank account. Savvy??