Honoring fee deduction AGAIN

AGAIN And AGAIN...All the time I must call to be told the same thing about honoring fees no guys stop this really this is the second time in a raw having money deducted and said to be honoring fees? must I make screenshots every time I make a transaction and send it through that as you can see the money has deducted. if on the day I had sufficient funds and payment went through were did the money go to if its being held by standard bank why not pay it than to fault me a honoring fee were as on the day I made the transaction I had enough cash. How is it my fault that the merchant didn't take that day?