Temporary loan by FNB is a rip-off

FNB temporary loan structure is a rip-off. On 02 June 2022 at night I app**** for a temporary loan and it was approved and funds transferred to my account. I did not use the funds and today money was deposited into my account and immediately temporary loan took that money. How is that possible when I have not used the amount and with interest? It defeats the purpose completely. This is a *******. So much interest as well?