Unprofessional service from FNB and ***** in my account

Hello peter I am disappointed by FNB recently and thier level of not taking my complaint seriously makes me sick to my stomach.

I am a premier banker and I expected more from them. Recently they have been putting me through too much and I cannot take it anymore. Firstly they kept on blocking my credit account and embarrassing me when I try to make a transaction. They will say I have not pay my instalment of R520 while I have paid even more than that, R2000. Yesterday ***** took place on my account and today I reported it to them because I do not understand how did this happen. The refer number for the ***** that happened is PM8PROPF2TLL*** for R4 491.66. I was on the call, on hold since 7am with ***** department and the lady I spoke to put me on hold for more than 2 hours, after that my call was cancelled.

I just checked my account, that ***** has reversed as unpaid _ it says "Magtape unpaid" and they charged me R110 for declined transaction because I didnt have enough money for this transaction. My question can they do that, charge me for ***** on my account?

Secondly what can I do because this issue will affect my credit score as me and my partner we in the process of registering for our bond with Standard Bank. It will affect us since the ***** amount bounced.

I just chat to a lady call Charity that works for FNB and she was so rude and told me straight that there is nothing they can do, as if this was my fault. I do not believe I should suffer for this *****, Firstly the bank should have confirmed with me if this transaction is authorized by me, as usual but they didnt do that. Now this is my fault. Charity did not even try to take me serious.

Yesterday again FNB debited my account with R520, I called them and they told me that it is my monthly instalment for my credit card, I paid this credit card last month in full. I first paid R10 000, followed by R2000 and last payment was R1830. Fully paid last month. What is the R520 for?, that money have not been returned to my account

Please advise me, I need help