One of the things that they do that really frustrates me very well as failing to reverse a transaction that you did not do yourself and keep on telling you that you have to wait for 14 working days before they will have it reversed.Yes it is very annoying. Especially when valid reasons aren't provided for these deductions, the best way to avoid all these problems is to find a safe and secure digital bank, that don't charge you for ridiculous amount and even deliver your card to your doorstep.