Unfair treatment

I was very frustrated today, I withdrew R100 today, it came up torned, I immediately went inside, they said I got 2 options, to deposit it back to the atm, or I will recieve it tomorrow, how will I get home if recieve my money tomorrow, so I deposited back n then withdraw again, but this time I could on get R90, how should suffer, the charges, whose fault was it that I received a torned money from the first place, now I should suffer the costs