FNB reverses PAID debit orders ad UNPAID after 2 days and penalizes customer 100 rand

This is the third time they did this with my insurance and credit card payments, and now with leisure installment sale.

Chain of FNB event with the dates (it has to be *******):

Dear valued customer • FNB :-) R3248.78 paid from cheq a/c..052942 @ Eft. Ref.Wesbank_fi ********** 418. 24Dec 00:00

Dear valued customer • FNB :-)Transaction failed. R3248.78 unsuccessful payment to cheq a/c..052942.Ref.Unpaid. 26Dec 01:24

Transaction Details Description One #ITEM UNPAID NO FUNDS Description TwoTransaction Amount 100.00 Service Fee 0.00 Authorisation Date 26 Dec 2017 Effective Date 23 Dec 2017 Post Date 27 Dec 2017

When they did this first times with insurance installment, I emailed all possible email addresses at FNB and no single agent responded. Nobody called me or rep**** to my emails. They have no customer service, they just take their service fees for nothing, for controlling your money, without providing any service to customers. I despise this bank after 9 years of opening an account with them. They make me feel sick. This must be *******. I want to report FNB to banking ombudsman. Please provide details here as I was unable to find. I have plenty of evidence of ******* debit order practice at FNB. Please beware using FNB account for professional debit order payments.