FNB is a *****

FNB defer swipes on the MY FNB account, change transaction dates on the bank statement, and bring back those deferred swipes (transactions) to a date where I have a low balance in my account so that the account can be on a negative for FNB to maximize of this *****ulent charges called #Excess Item fee. Knowing that whenever there are no funds in the account no card purchase would have gone through. FNB please reverse my R310.