Item paid No funds ****.

On the 08th of June I requested FNB to remove the so-called tolerance limit on my account and I was assisted by Limpho and told me it was successfully removed due to them claiming that if there are no funds in my account, they pay for me of which it's a total lie because when I don't have money in my account my card declines and they charge me R8,00 but because I had money my card didn't decline. So now they just charged me R135.00 claiming that its item paid no funds how is that possible coz I checked my bank balance before I made a transaction. So today I enquire about this item paid no funds knowing that it has been removed I'm assisted by Maria she is making me a fool, I'm not mad and I'm not an armature who you can just tell me nonsense information and I let it go. SO, my point is FNB is ****ming its clients' money by the name of Item paid no funds and they are taking a lot of money from innocent people I am a victim and I enquired about it before it was not happening anymore but today, they took a chance again. that is why i brought this matter forward to alert more people. Here is my reference number FNB R*** I want my money refunded in my account.