Incorrect Fee Charge

I was charged with a fee for making a payment to a recipient's e-wallet.

After querying with the banker and advising that the FNB account contract states that I am allowed to make 2 free e-wallet payments per month, I was told that the fee is valid as my payment was in a different system cycle.

My response was to advise that all my bank statements coincide with the end of the month and therefore my billing cycle should surely be the same. The feedback I received was that it is not the same as the statement period and can be different.

I find it very hard to believe, as statements are sent for a billing cycle and this is the period that is reported to me on a monthly basis. The problem I have, is that I am not able to track the remaining payments if the system cycle is different from the billing cycle.

Per my monthly statement, I have not exceeded my 2 free e-wallet payments during October 2019. Subsequent feedback from the banker is not in agreement with the contract I signed up for. Unfortunately, I have tried multiple times to engage with the banker to get the fee reversed, but responses have not been very helpful.