Scary and Unathletic Conduct

I have noticed some suspicious Unpaid item Charges on My FNB Premium Account last Month but as I knew I had financial issues as a result of retrenchment, I decided to ignore them .This Month curiosity went above Mountains when I noticed FNB just returned their own 2 Funeral Covers premiums so that they can charge me R110.00 X2. That time I had more than enough available.Again I paid some money in to same account for Car finance Debit order ,Then FNB returned it so they can charge me R110.00 . I was charged over R500.00 for debit orders they return while there was sufficient funds in the account.

So yesterday i decided let me call and hold ,Listen to all their songs until someone answers ,Then Mr Maluleke answered and logged an incident for the matter to be investigated. Today FNB under reference R*** returned R500+ to my account.

NO EXPLANATION NO APOLOGY NO FEEDBACK Can I conclude that this is an ********* behavior by the Bank and they intentionally doing this ? Howlong has this been happening? Am I the only Victim of this Crime ?

What do I do as the Consumer ,I understand Banking Banking Ombudsman is useless .Now i am Not sure if vihicle Finance ,Retirement and That FnB Funeral went through

This is a *****