FNB #itempaidwithnofunds

I am unhappy with the service that FNB is offering with their ridiculously expensive charges. R695 has been recently debited out of my account as an item paid with no funds transaction. This usually happens when you purchase goods online with a negative balance on your account, in this case I did not do any online transactions except buying airtime using my bank card on the vodapay app which I had money on my account. All the transactions on my account show that money has been debited out same time. I am not eligible for an overdraft, therefore when I have no funds in my account when purchasing anything, it declines same time. I contacted FNB to query the transaction of the R695 and the response I got was that, when I purchased staff using my card, the money was reserved and not banked on the same day hence it is reflecting later including the monthly fees. Which I find appalling because like I said, money got debited out of my account same time and I got the notification with the updated balance when I made a purchase. The service fees which are also ridiculous, get debited out of my account as soon as I get paid which is every month end. For the month of December they debited R250 in total for service fees. Now they are charging extra... FNB really needs to be dealt with, it's too much