TRANSACTIONS DECLINED, BUT MONEY TAKEN

I went to the Pick 'n Pay on 15 September 2017, I tried to swipe my card for R1848.22, which was declined, I then tried to withdraw the funds from a nearby teller, but was kicked out and requested to contact my bank. I was left standing around like a fool, whereafter I received a message that the R1848.22 was reversed for the purchase. This has happened before, but has always been reversed within an hour or so. I eventually managed to withdraw my last money from my account, and pay for some of the things i wanted to buy. Upon phoning FNB premier division, I received a message that they are having technical difficulties, and is dealing with the problem. By saturday my money was still not reversed. After numerous phonecalls, and promises that the floor manager would phone me back, which he has not, I am left having to fill in forms, and wait up to 30days to have the money reversed. THIS IS UNACCEPTABLE!!!!!!! I am left without funds, because FNB is unable to sort their own system problems????? And I just have to manage without any money, because they are having technical difficulties??????????