Honoring Fee and Overdraft Charges

I am extremely annoyed with Standard Bank as I am being charged Honoring Fees and Overdraft Fees unfairly. Why must I be charged an Overdraft Fee if I do not have this facility? I make sure that there is enough funds in my account for any payment to be deducted or for purchases to be made. It is not my fault or problem if the merchant banks late. If I do not have funds available then I cannot make a card purchase so I think it is extremely unfair to be charged twice for something that was already paid. This has been happening since I opened this account but now it is becoming a problem as I do not want anyone to transfer funds to my account as it will be deducted for these charges. I am seriously wanting to report this matter because it is not my fault but we as the customer must now be penalized. I want all these Honoring Fees and R69 Overdraft charges to be reversed to my account which dates back to the beginning of this year. It amounts to almost R1000 which is quite a lot of money for me to just give away. If this matter is not going to be resolved then I will be closing my account with Standard Bank.