If there is zero rating I would

I was going through my fnb and found out that I was charged 188 by fnb stating items paid no funds on the 20/01 and when I went to secure chat I was taken back and forth, I was told fnb Honoured a payment on the 18th when my account had no money, which is very strange because my account had money on the and then without any explanation the person in secure chat,reversal of charges logged, with no explanation of why is fnb charging me for something I know nothing of and quickly ended the chat ,now this is suspicious to me,I wonder if those charges are going to be reversed, and I am beginning to wonder how many other charges like this went on my account without me noticing, so from today this thing of fnb saying they are honoring payments even when my account has no money must stop,this time I am shocked fnb honoured a transaction on the 18th and now claiming is shocking to me