FNB How an we help you only if you have money

So on the 20th of August 2020 I had funds available for card transactions that were authorized by FNB at the time these purchases were made. Remember no funds in your account when you swipe you get a decline. My transactions were approved. At midnight the same day a debit order was done on the very same account but because of funds not provided for this debit order due to lock down and businesses not paying on time FNB doesn't just charge an excess item fee of R155.00 for the debit order only, they charge me R755.00 for 5 items swiped and approved prior to the debit order as well as R155.00 for the debit order. I have been an FNB customer since 1986, I was 16 years old and I am now 50 years old. Loyalty means nothing to them. There slogam "FNB how can we help you" should read "FNB how can we help you only when you have money" FNB has given me no relief during covid. The less you have the more they charge you. Will never recommend FNB to anybody. Hoping to change my bank soon.