very upset

i have always been happy with fnb and eventhough ppl told me to switch banks for cheaper rates i said no i'll pay cos the service you get from fnb is always good but i had the worse experience today the consultant could'nt even answer my question i had instead of addressing my issue she is rather telling me information i know and then she ended the chat i just want someone to explain to me why is it that i made a purchase on the 13th and u took your bank charges without 1stly honoring the purchase that was made on the 13th u 1st took your charges then honored my payment and then charged me on top of it cos you were too greedy to get your money 1st when the system knows I paid someone else 1st before you so what you guys did is not only took your bank charges that day which I did not budget for cos I get paid on the 27th u also charged me cos now it looks like you honored my payment but if i had to pull that money out of my account and paid the company I paid on the 13th u would not have gotten your fees now would you have so my question again why did you decide to take your charges 1st which was due on the 14th when I made a payment on the 13th that payment left my account on the 13th which means it should have just gone to the company i had to pay and fnb woulde've had to wait till today when I got my salary for them to take their monthly charges I did not budget for any additional charges and I do not care how small the charges were that you were charging what I do know is I want that charges back because you did not have to honor anything if you were not so greedy to take your services charges 1st and what is mind boggling to me is I paid the company on the 13th the funds left my account otherwise if it was not enough to cover my purchase my card would have declined there and then you as a company was suppose to let my purchase go through and wait for your service charge when their was funds in my account again