Taking money as FNB please like their own ***gy bank

After numerous emails my money is not refunded. It seems like this is the way FNB operates. They let debit orders go trough when there is not enough money and then the slap you with a R150 decution for no funds in your account. Very horribil from them. Sugest that if there is no money in your account reject the debit order and let the clients sort it out by themselves. I'm a responsible client with good credit record and now you take my money in the most difficult time of year. I did send all the details as you asked me to but my money is not refunded. I'm compenplating to take my business account and personal account to Capitec as they don't ***** my momey