Standard bank Honoring fee Bs

I have just recently found out that Standard bank has been taking money out off my account and calling it honoring fees after the money was already taken out from my available balance. at the time of my purchase i had funds available... after card purchase the funds go from available into latest balance which me the customer has no control over, thats Standard banks reserve for retailer. so in actual fact i paid for my merchandise. somehow standard bank cannot pay the merchant from that reserve and charges ME the honoring fee to the same value again. how do i pay for something twice when payment was made already???. i would like all my money back. i will be seeking legal advice to take legal action against standard bank for Theft. for not informing me and taking money from my account without authorization for a system that is flawed. thankfully it did not happen with an expensive purchase as yet. i would like a response asap.