Billing for overdraft on FNB Cheque Account

Hi, I use a Cheque Account and there were no funds in my account when I made a payment. Usually, payments ill decline, but this time FNB allowed my account to go into a negative and them billed me for this, R125!! I want this reviewed and show me where I accepted such a overdraft facility on my cheque account as I never consented to such, add to that a blatant exorbitant billing system is clearly theft. #ITEM PAID NO FUNDS 1 ITEMS ON 19/11/ is the reference of the payment