unauthorized debit

I have been struggling to simply put this unauthorized debit order behind me, since September ive been calling to have it stop but every month its there, this month (5 December) same thing R400 , only to find that i was penalized by FNB double the amount because there were no funds active -R440 and R110, and in my knowledge i have stopped this debit order so many times. now i have to pay a penalty for an unauthorized debit? when will FNB start protecting their clients? this is not fair at all, Is this really what we bled for?? Sies maan