FNB: Deducts service charges but provides no/poor service

Twice my friend, who banks at FNB, has sent me money via e-wallet and I was unable to get the full amount from the ATM. Today she sent R100 but the ATM stated that there was only R98.25c in the e-Wallet. I don't understand why money is being deducted from my side when FNB already charged her an R11 service fee. I used the first PIN that FNB sent and it was well within the 3 hour time limit (I went to the ATM 5/10 minutes after I received the SMS with the PIN). The R48.25c is now left in the e-Wallet and yet I cannot use it to purchase groceries, as I had intended.

On a previous occasion, the ATM did not have sufficient funds. Each time I tried to withdraw the money at a different ATM, they deducted a fee from me. Eventually, I could only withdraw R50 due to all the deductions and yet, I am not the one who is responsible for filling FNBs ATMs with money.

I don't understand why FNB bothers to deduct service charges when they provide such poor service. Then you have the nerve to send me SMS messages asking if I want to bank with FNB. You can forget about that, it's not happening. You will continue to lose customers (current or potential) if you don't improve your services and stop robbing people.