Phoney terms. To trick people in increasing their EBITDA.

Now let's talk about Balance, available balance & running balance as way to **** clients in over drawing their transactions so they make "other income" from banking fees. If you make a transaction and money is reserved for purchase, why does it have to affect your available funds, if you send a notification telling a client that they have enough funds to perform more transactions. If I have not authorised an over draft on my account. Why am I forcefully being overdrawn. Your matrix is not making sense and sounds *********. If I don't have any funds to proceed with the next transaction, should appear immediately as a bank notification to say, this is the actual amount in your account not phoney terms trying to seem or act smart. The fact that you allow accounts to be overdrawn without authorisation, that sound *******. Waiting 700 days to see the actual figure although an amount was reserved for purchase baffles me. I want my money back, now.