Poor Service.

I am so angry and disappointed with FNB, I had no funds in my account for FNB Life on the 30th August so they tried to debit and left my account on a minus, to my surprise every 2nd day they try to debit and the charges are R115 if the debit order is not successful .My account is on huge minus as we speak ,my problem is if there is no funds they usually double debit the following month ,I spoke to numerous consultants on the phone they keep transferring me from one department to another than drop the line and it`s been a week I have been calling without success and I`m spending huge amounts of airtime to make calls, Let alone there banker chatter on the app when u speak to them they know absolutely nothing, I cannot afford to pay those unnecessary charges on my account as Covid is already affecting my finances. Please Assist.