Again BAD SERVICE FROM FNB

This morning, I got a sms from fnb stating that a debit order went off, I do not really use this account accept for one debit order, I transferred money into my bank account so that the debit order would not bounce, this was directly when I got the sms from fnb. Now two hours later I get a sms stating that the debit order has been returned unpaid, you are now charging me R100 for an unpaid debit order so is Cell C also charging me R70 for a returned debit order, this has always been done this way by myself and I have never had this issue, so I contacted FNB Call centre, the agent was very rude, did not give me her name and said that the money came in to late and it is not her problem.... I WILL BE SWITCHING TO CAPITEC TODAY!!!!!! I AM DONE WITH THIS USELESS BANK!!!