FNB - ITEM PAID NO FUNDS "CHEQUE ACCOUNT" ****

I am a Cheque Account holder at FNB. Today, I opened my FNB mobile app to find that First National Bank charged me R245.00 reference: #item paid no funds 2ITE MS on 24/02/ , transaction date 21 Feb 2024 - a day upon which I made absolutely no purchases whatsoever, as with the day prior - I assume because they had, previously in the month, charged their standard monthly fee to my account leaving me in arrears. This has never happened before, and I was assured by the clerk in the FNB branch when I opened this account that I would never be fined for a monthly account fee going into arrears. Furthermore, technically, I had money in my account clearing via PayPal, but FNB's foreign investment bankers like to sit on my forex for days, no doubt playing around with my hard earned teaching wages making themselves richer and fatter. They might get away with this when robbing millionaires with their internal banking ****, but for those of us on the breadline, living salary paycheck transfer to transfer, it means I was not in the position I SHOULD have been today whilst attempting to pay for my daughter's medication. Kindly reverse this *****ulent transaction immediately, or I will open a docket at my local police station and move to CAPITEC.