FNB bad service

I'm really tired of reporting FNB for their incompetence and delusional system I'm using easy account my account is sitting on -R750 for the debit of a service I've cancelled with MWEB FNB does that to their customers so they can charge penalty fee I've never asked FNB to take of my unpaid services the debit should bounce if no funds in the account I was expecting money now I have to contact the sender to change the details to the different bank because of their incompetence