Terminator got into my account and stole my money!!!

Where to begin with this sorry tale... On 11 January I paid for my subscription with Microsoft however FNB (Find New Bank) took the funds out of my account however Microsoft never received the funds and then transaction declined. I was also charged a decline fee 3 times because of this "error". I contact FNB via the app and ask what is going on to be told that it is pending. Fair Enough, if only I knew. At 11pm I received a in app notification to say R149.00 has been reserved. I check my bank and low and behold another deduction of R149.00 has gone off my account, leaving me in a negative. I contact you clowns again to be told that both transactions were pending however the special clown on the other side could not tell me why... Only that I must have done the transaction twice... Once at 4am in my sleep and another at 11pm when I know im broke already... great. Your Special Clown then tells me that FNB did not deduct the money, it was Microsoft.. and he also works for Microsoft because he says they must have had a glitch, how can he say that unless he works for them too!!! FNB You have some double agents working for you! Now I know we are in a technological era, but come on, the terminator did not enter my card details at 11pm for a second transaction. so what the actual ****?? So right now I am sitting in a negative thanks to FNB and I haven't paid for a subscription, yet still am being charged a decline fee, even though FNB can see im broke??? talk about being money hungry... This is a monthly subscription which is automatically charged every month but all of a sudden the transaction is now pending. Please give my money back otherwise the Terminator needs to visit you fools.