Fees National Bank

Two issues with FNB: 1. Every month I do an immediate payment from ABSA to FNB for all my debit order for insurance on the 25th. Suddenly today I find that all my debits are unpaid and FNB reflects my payment as 26 May. This means that 6 debits were returned and fees were charged. I phoned in and in fact my payment reflects on the FNB system as 22h41 on the 25th. I pay an account fee for things to work. Please reverse the unpaid so my debits reflect as paid. Please refund my unpaids. Please fix your system 2. FNB repeatedly charges me for unpaid items on the app. When I check my available balance, I have funds, so I swipe to pay. Weeks later, I see they on my statement that they deducts R8.50 for an unpaid on the day I swiped to pay. If there were funds in my account, why am I charged for an unpaid?? If your app is dysfunctional, why am I being charged? The fact that my purchase is approved when i swipe on the 1st means there was available funds. Otherwise, it would have declined. I also have 3 or 4 declines showing on my account even though I did have funds in my account. Please refund all my decline and insufficient funds fees.