I want my money tired of making queries every month

You took my bank your change, instead of transferring it to my savings you keep it to yourselves now it reflects as negative on my account, this is the second time in a month and its frustrating havingvto query something over and over.

Secondly i know how my cheque works, after every card swipe, the money is deducted and put in reserved and my account shows my available balance and the overall balance. Now there are 2 transactions i did last week different days their amounts were reserved and now suddenly thae amounts were taken from my available balance, why?

Lastly i did ewallet on 27 august, it reflects and shows it went through and yes to a correct number, so the recipient says he ddnt receive the money, how do i know he got it? And if not how do i reverse it coz 72 hours has passed