How can we rob you?

I am totally appalled and disgusted by total lack of service and compliance to my instructions given to FNB, to return my hard earned money which they just seem to keep ripping me off with, by them allegedly honoring items on my behalf, when the necessary funds has was available and reserved at time of transaction, however the merchant banks their transactions at a later stage and for that I still have to pay an unpaid items fee of R110 for every transaction FNB "honours" in this manner. This has now resulted in my account going into the negative, as FNB will not allow me an overdraft. So I have no overdraft available. The total amount of the alleged "unpaid items" fees has now reached a whopping R1320. As i see on my records, for every transaction made, the funds have been reserved from my available funds, and also then been deducted, which where after, FNB still charges me unpaid items fees on the very same transactions. I demand the total of R1320 be refunded into my account. I will pursue with legal action if my request is not met, as this is blatant ****************, from FNB.