FNB are tsotsis and ****mers

There were funds in my account but suddenly there were ba k charges over and above the fixed monthly amount that I signed up for, as a result when I tried to make a purchase the transaction was declined. As if this was not bad enough I was charged another additional fee for each declined transaction. It is small amounts and charges, I am against this principle of additional fees and fees for declined transactions. WHY did the bank not inform me of the additional charges. WHY did they not inform me of the zero balance? This is *********, to charge for a transaction that did not even take, which occurred as a result of unexpected charges. I want ALL the charges to be reversed except for the monthly fee, otherwise I WILL close ALL my accounts and SPREAD the word on social media!