FNB "How can we help you?" - Stop debiting my account with bogus charges

FNB - #ITEM PAID NO FUNDS?? Seems there are NUMEROUS other people experiencing the same problem and I demand immediate clarification regarding the deductions on my account ranging from R47 to R470 under the reference "#ITEM PAID NO FUNDS".

I do NOT have an overdraft account linked to my cheque account and if I did not have the funds to make a purchase then it should have declined! However, my purchase goes through then i am charged more than double the amount that I purchased for. I request a refund for ALL the deducted amounts.

I changed to FNB from Absa because they were also constantly putting through random "transaction fees" which when queried were also not resolved.

FNB's slogan "HOW CAN WE HELP YOU?" Answer: Dont debit my account with bogus charges using a facility i never app****... if i didnt have the money to pay for a purchase to begin with where am i meant to get the additional funds for the ridulous charges