Floor limit and #Item Paid No Funds Charges

#Item Paid No Funds Charges. FNB has charged me an amount of R865.24 saying they have paid items on my behalf. 2019 I called in regarding the floor limit to be removed and it seems this was never done. Money was deposited into my account two days later which took care of the outstanding balance which I was owing FNB for paying the missed debit orders on the 22 September 2022. Today I transferred money into my account, only for the item they claim they paid to come get the money again but they say they've paid on my behalf. I called the banking call centre today but the answer I got is regarding the merchants. In the previous years, I took a FNB Temp loan. The temp loan takes money from your account around 2am before it reflects at 7:30am and FNB will charge you #Item Paid No Funds Charges because temploan collected before your money actually is available and you will see there will be money unaccounted for. I cancelled this service from them because I lost over a thousand if not more because of this service. The reply I got today is regarding the merchants banking late whereas I didn't call about merchants. Maybe I should have brought this to light that the Temploan and #Item Paid No Funds Charges is their error on their side and they should pay a lot of customers their money back because this is a **** to employees. I bank with FNB for convenience and innovations but their banking is starting to misalign now. The agents at call centres can't really give you a right answer because it seems they are not clued up with banking. Can I get someone who understands banking and explain this matters I have raised today. I will go to the branch again tomorrow to reverse #Item Paid No Funds Charges which they claim they paid because the other debit order shows that it declined and my calculations show the running balance at that point was paid. Bonolo Pelesa at *** reply was not helpful and she did not address the query I raised this morning on the phone. The person who escalated my complaint is Sibongile Modieginyana from complaints call centre.