Theft with no shame

Last month I got a R90 charge for a the bank settled my R100 purchase instead of R45, as it charges R45 per R100, I did not query. This time on the 21st I made another purchase at a retailer knowing my account is in good standing order of R302 at 16:17, leaving my account with a R12 balance. Midnight of the 21st going 22 the monthly charges went through to my knowledge my account was then -R90+. Yesterday as soon as funds went into my account, I get a R180 charge saying for They settled my bill when I had no funds in my account?! Fine, they say My balance was R206 not enough to pay for the R302, meaning I was short R96, and when I check the charges it says R45 < if less than R100, I've queried all morning and I was told merchant did not clear my payment until the 24th, so now am paying overdraft charges without my consent and for merchants delays, and secondly I have to pay R180 for the bank borrowed me R96????on top of the R96 being taken again from my funds, Like really?