Item paid no fund **** from FNB

Why this " item paid no fund" thing. Daylight ******* from the white collar industry. Seems like you are making millions from it. I did not even ask you to pay for things when my account is not having enough money. Imagine being charged R450 for paying a R500 item that you did not even ask the bank to pay for. And the worst thing is they dont even give you an option to say no i dont want you to pay for my expenses without my consent. Daylight ******* i repeat daylight *******.