item paid no funds **** incorrect charges

Each and every month I reverse incorrect charges on my bank statement. If you're an ******** client, probably FNB is dancing on your bank account, FNB late reconciliation makes money in a *****ulent way. Now I was again charged for "item paid no funds" on the 25th June with a transaction that didn't happen on this date, 30th May I was charged R35 with same reason, 23rd May R45 with same reason, and 25 April R90 same reason. Consultants says there's nothing they can do.