Unexplained charges, once again

It seems once again FNB has pulled the "unpaid item" ******* on me. Over the last 3 months i have been charged R360, R180 another R180 and 2x R115. These charges arebsaid to correspond to payments that were made on mynbehalf even though i had no funds in my account. However the very transaction that they claim to have paid for is always reversed, yet the charges stick. I have had enough of going through the call centre and bank as I am either told that the 8th debit of the month that has bounced isnthe one that is charges, however that still doesnt explain the R360 charge nor does it expain being charged twice for the same transactions. This is not the first time that this is happening and to be honest i am not happy with the 'not my problem' reaction i receive from the consultants. Worst of all, if you do not have screen shots to prove previous conversations you appear as a **** as FNB is forver updating and deleting incontact messqges without letting us know. I now really believe its timemto changes banks. Thamk you FNB, I have lost all trust in this institution. I have been through the pricing and it clearly states that the penalty is R115 as of unpaid item 9 which has never been mh case.