Wrongfully charged

Secure chat wouldn't assist, and the explanation given doesn't make any sense so this is my last resort before I consider just ditching this entire bank. Fnb seems to make ut a habit ensuring that my account is always in a minus unnecessarily just to mame a quick buck.

I was charges R200 out of the blue because apparently fnb processed a payment while I didn't not have money in my account. This didn't make sense to me as the funds were immediately reserved when the purchase was made, regardless of when merchant processing takes place. I would like a reversal of the charge placed on my account!