Fnb item paid no funds

FNB - ITEM PAID NO FUNDS "Aspire ACCOUNT" Dear FNB, I have been charged R400.00 for #ITEM PAID NO FUNDS 2 ITEMS. I need my money back as I had funds and my account lets me has a debit and balance the amount later. You make us pay for something that you said my account is suppose to do??? your charges are too much for nothing.