The least you could have said was to reject to fix you own mistake rather than to mock me

Dear FNB, one thing we can all agree on is that, you cannot randomly choose to debit my account, then insufficient funds and later charge me R200 and expect me to keep quiet on it. Worse thing is that you then in private confirm you are correcting the error by paying back what is rightfully mine only the do another charge and reversal it thinking that corrects the error. This is clearly means you mocking me. You can provide another reference and close it. This is now 4th months, I am prepared to continue raising this until it is corrected.