Not happy with Service

I don't understand the Pending amount, i go to the Bank to set a Saving Debit it doesn't go off when i check balance i still have R1,900.00 when i went to the Bank i am told they are not sure cause they can see i had money on my account a contract has been signed that you guys will take care of my Debits now i am told i should do it on my phone what was the use of me standing in the long Queues if i wanted to do it on the phone?