FNB DEDUCTING ABSURD FEES FROM MY ACCOUNT WRONGFULLY!!! BAD SERVICE

I cannot believe this!!! This is the second month now where I have experienced the same problem whereby my account has been charged with a #ITEM PAID NO FUNDS fee of R120.00 per transaction. I have a Premier account and the transaction #ITEM PAID NO FUNDS was deducted on the 18th - Such a coincidence that I am not the only one who has had the same problem as me and on the same date. When these transactions were made with the merchant, there was funds in the account. The transactions was on the 8th of the month and then on the 18th I get charged this fee???? There are many people leaving the same reviews here. And on top of that, a work colleague too has experienced this problem. They tell me that I need to contact the merchant and that their payments may only go off after some time of which they cant control. Absolute nonsense that so many different merchants would only take the transaction days if not weeks later! The first month was R800 and the second month R1400! How on earth can this be ok? I filed a complaint of which I received a response from a Semakaleng Ramela who explained that it was transactions which were processed late by the merchant. I have since been trying to get more of an answer from her especially after this happened for a second time. She will not respond to my emails! When I call the relevant contact number, I am told that I need to deal with the person who answered my ticket. I am calling daily and emailing and no luck! Lets see if they can actually level up their customer service and attend to this. I will continue leaving bad reviews on here, Facebook, Google Plus and where ever else I can until I receive the service I pay for!