Exorbitant bank charges - HELP!!

This is the 2nd time I complain about the same problem, when my stop order that I accepted a prompt to approve its deduction declines because of insufficient funds. I swipe my card and money is reserved. Later I buy something and again money is reserved. So FNB allows the all these transactions on reserved money but does not mention when the money is unreserved. Worse part is the app shows no transactions as to where the deposited monies disappears just so they would continue to charge a client: mentape - insufficient funds, store withdrawal: insufficient funds, interest on insufficient funds, online payment on insufficient funtlds which all are over R100. It gets even better when they charge interest on another interest, withdrawal charges, service fees....etc. Bathong this FNB is on bank charge rampage!! Please close my account, Nedbank offered me a better deal than this croocks scheme my current has going on!!