FNB De*****s people!!

FNB is *****ing people's money & keep getting away with it... Every time I swipe for stuff, it goes off my account & I get notification of the available balance and then later I would get notification that my account is on a minus & they claim to have honored payments which I had already paid for & charge me a lot of money for it. Why would I even go and shop if I know I don't have money to pay for it ? To make it worse, they do not give a damn!!