FNB IS A ****!

#Item paid no1 Items on??? I called the toll free number and was told about a transaction made when I had money, which was further declined and therefore FNB had to "pay off" those funds for me. I have a student account, obviously with no overdraft facility. If there's no money in my account, why was the transaction not declined at the point of sale? Furthermore, why would three different charges go off on three consecutive days for one so-called failed transaction?

I would appreciate a prompt response by all the money **********ly ******, being returned to my account.