DISAPPOINTED IN YOU FNB!!!

I opened a new account with FNB early in July. Since then, I have had SO many issues! The recent scary one is: I had limits set on my accounts, but, when I paid an online payment (I knew the limit was below the purchase), I got a 'declined due to limits' message, but THE PAYMENT STILL WENT THROUGH! Knowing that I was actually making this payment- it was fine- BUT, what happens if the card is lost/****** and this happens??? THERE IS A REASON FOR LIMITS BUT THE LIMITS ON FNB DOES NOT WORK AT ALL. I logged a complaint regarding this on 2 August and to date- 18 August, there has been NO RESPONSE AT ALL FROM FNB ABOUT THIS PROBLEM!!! I REGRET MOVING FROM ABSA WHERE I WAS PROBLEM FREE AND NEVER HAD ALL THESE ISSUES!!!!