Useless Staff, Stupid System, idiotic charges

Yet again, I am now complaining a second time about FNB's system that charges for Paid items... FNB has charged me R200, R750, R600, because as per their system, it allows people to buy with no money in their account, and then when the merchant does their deposit, then only does FNB recognize that there is no money in the account... the pathetic excuse of a consultant who was probably too lazy to take on the query decided I am not worth their time, and just ended the chat while I was typing out a message. Ongeziwe, the same consultant that takes 6 minutes to respond with "One moment while I look at your account"... I am now scrutinizing my entire transaction history, and I will be going over the last however many months statements I can get hold off, and have this taken up with the ombudsman, as the onus of the merchant doing their deposits should not be at the cost of the consumer, FNB, look after your customer, not the business, because every customer lost will eventually be worth more than the businesses you hold so dearly... if this ******** charges are not reversed, I will be switching accounts faster than you can think to call me back to say sorry