#item not paid fee's unacceptable

FNB ****************!! You guys charged me about R480.00 last month for #items not paid penalty fees. When my card was swiped I had the money in my account for those transactions to go off. I then had a debit order that went off and account ran into a minus and these transactions only went off after. I adhered to your 'policies' and let the R480 go off.

This month a school fee debit order that wasn't suppose to go off, went off. immediately I rectified my account that was in a minus and deposit money in literally 5 minutes after the debit orders went off. So basicly my account was in arrears for 5 MINUTES AND YET AGAIN YOU GUYS CHARGE ME R480.00 items not paid fee but my account is now in a positive balance.

This is absolutely absurd and unacceptable. If I left my account in arrears for a month, yes sure, there will be penalties but R480 in november and R480 again in December??? It's ****************!

Please refund my R480!! My account was in arrears for 5 min. I'm furious and if this is not sorted out, I will rather change banks.