Ridiculous procedures and day light *******

Unauthorized transactions were deducted from my account and I was charged exorbitant fees. over R100 per transaction. (almost 50 transactions)my first question is why the transactions went through when there were no funds in my account. FNB did not notify me that these transactions where taking place and the costs involved. If I had to swipe my card it would have been immediately declined. So how these transactions where allowed to go through is beyond me. I have spent over an hour on the phone, being sent from pillar to post as I am not allowed to speak to the person at the branch who assisted me on Friday. I need these funds returned to my account today as I have debit orders and need fuel to get to work. I find it extremely disturbing that FNB has completely taken the human element from their service. I have nobody to follow up with. I do not have a overdraft facility and FNB should not have allowed these transactions to take place in the first place.