STOP TAKING MY MONEY

I am once again at a point of total frustration and just plain irritated with this bank and its honoring fees. My bank accounts funds are suffice when my payments are made and the money swiped always stays in the balance but obviously not in avail balance. This honoring fee is simply a way for the bank to cash in on unaware customers. They always deduct a 100zar or more for this so called " the bank helped when the card payment was shot" its a bull story and if you think about it, should they take that fee somewhere once or twice a month from every one of their clients, the amount of clean profit the banks are raking in ! I refuse to pay this fee you will return it to my account at once. Many won't say a thing i am not part of the quiet i will sue you.