still no resolution

After days of waiting for FNB to tell me where i gave them the approval to put funds in my account that i did not request for and fund s that were never there before still i have no joy and satisfaction...let me ask the question again ...WHO APPROVED OR ASKED FNB TO PUT IN FUNDS IN MY ACCOUNT / WHO APPROVED THESE FUNDS THAT WERE NEVER THERE MONTHS BEFORE.........noboday can answer me however the only thing that they can say is that the bank did not want me to get embarrassed , and some say the system decided to give me the funds...i never requested for any funds......i want answers ....my card could decline before if there were no funds ...what suddenly caused the change ?. FIX THIS IS AM SICK AND TIRED OF THIS MESS ! ITS BEEN OVER A WEEK AND I AM STILL DEALING WITH THIS ****!