Fnb is *****ing funds from our accounts

Fnb is *****ing funds from our accounts. They should change from how xan we help you to how can we ***** from you. Month of April the I was charged R200 for item paid no funds followed by R45's yet I did Transact on my account with a positive balance on my account. I always make sure that I check for funds available on my app before I can make a transaction. Reverse my funds that was take out my account.