worst service ever from FNB

i had a smart device account which went into arrears because i was not working no in november i opened a new account one lady transferred her money into my account to withdraw and what fnb decides to that that money off settling my smart device in the first place nobody even contacted me with regards to this according to their records yes i have made payment arrangements while i was not working in may and june i tried getting the money but could not i mean i have a fnb account now why could they not call me again trying to make a payment plan but they just decide to deduct money of my account as they please my number has been changed from July nobody spoke to me and than Maanda has the nerve to tell me why did i contact all of them changing my number at that time i did not bank with FNB as my account was opened now the 01 December i dont mind paying it if they called me and asked me when to i would more than happy do it when i have MY money in my account i am sooo frustrated what do i do how do i give the lady her money back according to maanda the last they contacted me was in June i made the biggest mistake switching over to FNB how can they just take off stuff