Taking poor people's money so that they get rich and richer

Southdale fnb is a ****, I opened a savings account with them. Few months later I went back to check what is taking my money they explain to me. Then I said I want an savings account with lower than the monthly fee I was using. Guess what that guy spend a cheque account which is way higher than savings account. Yesterday I went to the branch I told him to put me back on savings account this cheque account is draining me. Boom when I check my app I'M on -2800.00. I need help because I owe them nothing.