Disappointed in FNB

I had a contract with Netstar which I paid every month via scheduled payment. On the 25th January 2025 they tried to collect R385.08 , ********ly from my account. On Monday 27th January 2025 return payment for the lack of funds. I never gave permission for transaction and also don't have a debit order in place for Netstar. In the meantime Fnb charged me penalties for no payment of magtape. I contacted FNB a numerous time without any success. There response was that they will get back to me in 5 working days. I can't wait for them to response, while I am liable for further costs. There is no debicheck in place for Netstar, now FNB is holding me responsible for unsanctioned transaction. I don't think it is not fair that they held a client "hostage" for an ******* payment. J.c van Rooyen