FREEZING MY ACCOUNT - WITHOLDING MY MONEY!!!!

On the 23rd of August 2017 I wanted to make an EFT transaction, only to tell the beneficiary that her account is frozen? So I did not proceed. On the morning of the 24th of August 2017 I wanted to swipe my card at OK Foods in Carletonville where my card was also declined 3 times. I phoned the branch in Carletonville where they directed me to customer services and the customer services referred me back to the branch. I went to the branch in Carletonville where the lady at enquiries gave me two forms to complete and then she will fax the papers to the relevant departments. I was told that my account will only be opened in 48 hours... Nedbank needs to confirm the SOURCE of my income. People I work for the Department of Basic Education! Have been for the past 5 years!!!! That is my source of income.... How can a clients account just be frozen, I am still not able to draw or swipe for any of my money!!!!