FNB Takes longer than 3 days for payment to reflect

i am an Fnb Card holder, and on a monthly basis i get the minimum payment funds taken out of my Fnb Premier Cheque account. The big issue is however that even though its Fnb to Fnb the payment is not immediate, the consultants have told me that it can take 3 days to reflect.

My problem is that payment for my card was taken on the 7th of January 2019, yet by the 11th of January the funds had still not reflected and i had to phone in and complain before my funds were cleared manually.

Because it takes so long for my funds to clear, sometimes i get bounced debit orders, and i then get charged by fnb for those bounced debit orders.

I have gone through the terms and conditions, and no where does it state a 3 day turn around time for a payment to reflect.

I would like this issue resolved immediately, alternatively please provide me with a reference number so as to take this matter further with the ombudsman.