Incorrect Banking Charge

<p>On 3 February a fee was deducted off my account without my authorisation.</p> <p> </p> <p>From what I understand this is due to the account going into overdaft:</p> <p> </p> <p>1. I never approved to have an overdraft fascility active and even specifically requested when I joined in 2012 that I don't want this. It is for security reasons so that money can't be taken from my account without my authorisation.</p> <p>2. FNB should not have allowed this debit order to go off as I didn't authorise it. What controls are in place to ensure you verify my approval of debit orders that are done against my account?</p> <p> </p> <p>I have raised the issue with the Premier Banking Team and instead of trying to assist me, I was told that this was system generated and it is not FNB's problem that an incorrect debit order was done. What happend to "How can we help you"?</p> <p> </p> <p>I was very shocked when my call to resolve this querry was turned around into a sales pitch. I was being sold additional banking services.</p> <p> </p> <p>After escalating to the relevant manager, I received an email saying that I now have a negative profile with FNB: </p> <p>"If the debit order is unpaid due to insufficient funds, this does negatively affect your profile with ourselves."</p> <p> </p> <p>The email then ends with: "I also noted that you currently avail of our Premier offering, could we look at potentially upgrading your banking profile to Private Clients?"</p> <p> </p> <p>It seems it is all about sales and nobody really cares about the issue I have raised.</p> <p> </p> <p>I have always been very praising of FNB's services and therefore I have chosen to have my banking, vehicle finance and 2 property loans with you.</p> <p> </p> <p>Please can you advise on my issue as I would like to give FNB a fair chance to review before escalating to the Ombudsman.</p>