FNB has become very arrogant

<p>FNB has charged me over R600 for unpaid debits. I spoke to a very rude lady who told me that they charged me because I had no money in my account to honour my debit orders.And she told me that they are charging me because they paid those service providers. I am surprised now because I am getting notifications from the same service providers that they did not recieve payments. </p> <p>What expenses does FNB account incure when there is no money in my account for them to charge me over R600??</p> <p>Even when you speak to them, they are VERY RUDE.</p>