*****ing money from clients with random #itemspaid no funds

FNB is ripping me off by charging me #itempaid no funds service when I don’t have an overdraft facility and when I email them just respond by saying I must access secure chat. Pathetic to say the least over R2000 inbank charges for 2months now. I did not authorise to have this facility and they did not notify me that they will be doing this. I want my money back or I’m taking this up with the Ombudsman I’m considering switching banks. These ***** bank charges better go away soon. Their app is also playing with my money it shows my available amount and then the money dissapears then it is back the next day. Why are u ripping me off FNB I’m considering changes banks. Ur services are unreliable. They show I don’t have money just to use this *****ulent services and charge sky high for it aswell. Who says I needed you to pay for an item if I supposedly don’t have money then the next day my account shows it has money again. My anxiety levels because of all is sky high. Just stop playing with my money and refund those charges I didn’t sign up for. This is a disgrace