FNB Premium Account Item Paid no funds a ****

FNB doesn't care about customers needs, just a **** to make more money. I am tired of you guys reserving funds when I have money only to charge me items paid no funds for the same funds that were reserved after two weeks. this happens every month, I even called the past months to have these reserved. The same thing happens month after month, if I don't call they never get reversed. I end up paying close to 800 monthly including my monthly fees. So now every month one must complain and call for them to sort out their system, imagine being charged item paid no funds for an eft payment, it's crazy..Where do I report this nonsense to the ombudsman, you are ****ming vulnerable people. Why is my account treated like it has overdraft when it doesn't have...another way to keep charging ..R45 item paid no funds for a card transaction one did over two weeks ago