FNB... ****mers of note!

FNB keeps ****ming people of their hard earned money and never take accountability! How can I pay for items at a store, receive notifications which clearly indicate how much I have paid and my available balance, only for FNB to turn around and claim that I owe more than R1000 because I over spent all because a merchant chose to bank later? How is that on me when I have already paid for my purchase and my available balance clearly shows that. So now basically I must pay for the items in the store and also be charged when they decide to bank when the bank is online. This is unacceptable! I am so furious because there's no way I would choose to go shopping or go out when I know I don't have the funds in my account but that's what the manager accused me of! On the day that I went to the movies, I paid for the tickets & popcorn plus a whole lot of other transactions at other stores with my son's bank card & received notifications of how much I paid and the available balance, so 3 days or so later when the merchant did the banking I'm told there wasn't any money available, so then what happened to the amounts that went off on those days if now the account is on a negative balance? To top it all up, the consultant who was assisting me, (Monewa) at the red's mall, decides to walk away while I was talking to her, which is rude but she couldn't care less, even her manager, Danny was just as rude!!!. This was the worst experience of my life!! Basically now I have to pay FNB more than R1000 when I have already paid for my purchases! I am so livid! Its time to switch to another !