#item paid no fund 😏😏

I have been charged R245 for #items paid no funds 2 items (which is not the first time)… May I please have all my money back because I had funds available in my account. Called the call centre they can’t even explain what the money is for. How are purchases “pend” whilst the app shows that the money has been deducted and then at a later stage they come unpaid… Njani??? Because the money was never credited back into my account. So I’m basically paying twice for 1 purchase. Why would an individual buy without funds?? This is so unacceptable, I’ve never experienced such with my previous bank. I honestly regret moving to FNB. Now I need worry about funds being unaccounted for.May I have ALL my money back… Please!!