FNB - Unauthorized Debit Orders

Every month I seem to have to reverse debit orders from my FNB account. I tried to dispute it, and gave me an error code on the four occassions I tried to dispute this debit order. So I still have not received my R99 back. FNB has this sms notification - A new debit order has been loaded onto your account, please advise if you authorize this... Well let me inform you FNB I only receive that sms after the fact; after I log a complaint with you regarding ******* debit orders. I am so sick and tired doing this over and over AGAIN!!!!! Get yourselves in order, stop telling us you have no control over it and neither does other banks and it's a world wide problem. Then get together as banking institutions & find a solution. You cannot make this our problem to reverse or struggle with reversals of debit orders every month. This month I received a call from FNB consultant wanting to sell Accidental Death Cover for R128, it seems as if every time every time I seem to speak to a FNB consultant ( ********** ) on a phone then my account is debited with an unauthorized debit order.