FNB *****ING FROM THEIR CUSTOMERS

What is happening with FNB? They took R1041 out of my account,the NFO is giving them 21 days to respond and theres been fees for item 1 @R10 every month that they are *****ing. According to them the retailers where i swiped my card collected the money late and thats why my account went in a negative. What a load of bull. How can you leave any store when your card is declined. My am moving my salary over to a different bank. I want my money back i am not leaving it, a R1041 is a lot of money.