Who asked you to honor payments on my behalf i mean who even pay a company knowing they have no funds in the bank account

I am not happy at all that i am in debt with your for over 300 when i made payments from my card there was enough money in my account now all of a sudden you charging me extra cos you honoured a payment on my behalf i did not ask you to do that nobody makes a payment to a company if they do not have funds in their account if that company did not claim their money on time it has absolutely nothing to do with me for all i care you did not have to pay them because its their own stupidity i am not going to pay any extra charges to fnb cos i did not ask you to honor that payment because by right i honoured the payment is because of your greedyness for your bank charges that my account had insufficient funds now you want to make as if you did me a favour and on top of it you want me to pay you extra for you helping me out you did'nt help me out you helped yourself to make a exra buck i want this charges reversed im not paying fnb anything extra because i never asked them to honor any payment u can reverse the payment you made on behalf of me and that company can come find me and i might not be able to answer if you do call me i have been very clear what i want i want that charges reversed and if that dont happen i will close this bank account and open a new account at a new bank and you will never get the money i supposedly owe you