Where is my money?

FNB charged me for #item paid NO1 items, for R120 on 18/08/2018, R120 again on 19/07/2018 and service fees for R192.70 on 16/07/2018. I am not even sure what this is for. I always have money in my account, and even if there was no fees, whenever, decline the purchase. I do not have an overdraft facility with the bank, so I am not sure why purchases would go through if there is no funds available.

This is after deducting their R199 monthly service fee every month.

Why was I debited R432 in the space of one month, after you collected your monthly fees? Can this money please be refunded to me, as I feel this was not disclosed to me in any way, had I known about these deductions, I would not have complained. Clients need to be kept in the loop, TCF states clearly that all new products, procedures, whatever, needs to be disclosed to the client.

I would appreciate it if this can be attended to.

Thanks