#item Paid No Funds FNB

I just checked my account today only to realize that I have been charged a fee that I have nothing to do with and the scary part is I haven't used my card in days and still get charged #item Paid No Funds 5 Ite Ms.. What the hell is this and this has been happening for quite sometime now as I tracked back. Why *****ing from me yet I depend on you...please give me back my monies.