ALL FOR ZILCH'S

I have a full ABSA package, now this will be my second time encountering a problem with the billing of my account on my funeral policy, I have paid my policy on the Friday and to my surprise attempted DO went off and now I am been charged R150.00 bank charges , and the proof was send before it go off. I also had a purchased of R300.28 on the 06/10/2017 at spar and my balance was in the plus, now I noticed that the purchase went through on the 08/10/2017 and no my account is in the minus. Why must I be charged and why is the cell phone notifications if someone cannot do his/her work properly, I am definitely NOT -R301.29 INFACT I had a balance of R39.02. CARD DIVISION called me for a increase limit 2 weeks ago and I received a sms indicating that my application has been approved, now on Friday received a sms that my bank statement to be emailed to them, to my surprise we going now for the 3rd week still no response from Card Division, I am not happy with the service received from ABSA, my account needs to restored and my policy rectified as the proof of payment was send to ********** and she also does not reply to ones notification, the service is really bad. I need management to get back to me with satisfactorily answers and NOT a trainee, that would not know how to answer my questions. I am really not happy on the service received