Request to Reverse #ITEM UNPAID NO FUNDS 01 Fee

Good Day,

I am writing to formally request that the #ITEM UNPAID NO FUNDS 01 fee charged to my account be reversed.

I do not understand why an additional penalty fee is charged when there are insufficient funds in the account. If funds are not available, the debit order can simply be declined. Charging an extra fee feels like being punished for already being in a difficult financial position.

I have been a loyal customer of FNB for many years, and I would appreciate fair and understanding treatment. It is disappointing to see additional charges app**** in this way.

I am aware that other banks, such as Capitec Bank, do not apply similar penalties to their clients. The only reason I have not moved my accounts is because it involves significant administration and time.

I respectfully request that this fee be reversed as a gesture of goodwill, and that my account be reviewed to prevent similar charges in the future.

I look forward to your response.