At FNB funds mysteriously dissapear.... Like magic!!!!

Funds just disappearing without reason. Pending authorization takes ridiculously long resulting in my account constantly being in the negative, and that leads to..... more penalty fees!!!! It's totally unacceptable that a bank is allowed to take my hard earned money without proper explanations or any visible evidence of the "hidden" banking fees in my bankstatements. Which I might add I'm only entitled to once a month on a set date. Combine that with the fact that my brand new bank card snapped in half within the first 3 months cost me an additional R140, this after stating that it was for FREE when ordering a new card through the app. All things considered, I've had this FNB account for a full 4months and am completely shocked and disgusted by the blatant theft of my money. Im just shocked!!!! How is this legal and tollerated?