FNB DECLINED DEBIT ORDERS EVEN WHEN FUNDS IS AVAILABLE TO COLLECT FEES AND DEDUCTED HIDDEN FEES AFTERWARDS

FND DECLINED A DEBIT ORDER OF TELJOY ON THE 1 JULY WHILE THERE WAS ENOUGH FUNDS IN MY BANK ACCOUNT. THEN THEY CHARGED ME R105 FOR THE DECLINED DEBIT ORDER EVEN THERE WAS ENOUGH FUNDS FOR THE SPESIFIC DEBIT ORDER. IN THE EVENING WHEN I LOCKED IN MY FNB ACCOUNT ANOTHER R20 JYST HAVE DISAPPEARED MIRACULOUSLY WITHOUT A TRACE THAT SHOWS FNB TOOK THIS R20 WITHOUT ANY TRACE OF IT