FNB charging unreasonable fee during lockdown.

I m complaining again because this have being happening for a very long time and disgusted, the thing is I don't understand why I m being charged the so called "Item paid No... 2,3 or 4". I was once charged R500, recently I have being charged R50 once or twice a month. Now I m charged R250. Meanwhile I m also charged the declined fee of R8.50. I don't know what's happening but this time is a wrong timing for FNB to be deducting money in our accounts. I really don't understand. I pay a monthly fee and I charged unreasonable. How do you charge a fee for a bounced debit order?