REQUEST FOR A REVERSAL

On Sunday,04 October , i mistakenly did an ATM transfer of R319.00 to the wrong account,i called monday to ask them to reverse it,i was told they will charge me a pemalty of 214.00, i mean its a mistake now paying 214.00 means i will be addisng to the supplier i needed to pay which will throw me out of budget.i asked the lady who answered to log a complaint , she did so to the complaints department and i got an sms with the ref Rr*** but to date , i have not received a call from FNB. on June i was called to upgrade my card to a platinum of which i did, i was told the monthly fee is 145.00 but now im being charged 165, i need my refund from July -September as i was not advised that because vof the price increse i will be paying more, i should have been told but that did not happen.