********** charges from FNB

I have a concern withthe manner in which FNB adds unauthorized charges on ones bank account. An example of this is that i received an sms from a courier company that they will be delivering my new card because the one i have is expiring at the end of the month. the courier called me three days later telling me that their driver is at my work to deliver. No one called me from FNB and then out of the blue i am charged a R100 for courier fees even though the delivery was initiated by them. I feel that you could have called me me and advise me if i wanted to fetch the card from your branch or will i want it delivered. The deduction from account of the R100 is unauthorized. I would like you to refund me my money because i did not agree to this offer. This month i am monitoring my account to better understand what is happening. Firstly i get paid on the 27th of every month but FNB always adds amounts which i think are banking charges round about the 25th of every month which then puts my account into a minus. Can you please charge me you banking charges at the end of the month as it should or i will be addressing this with the ombudsman.