Irregularities in my account

On many occasions i tried to swipe for goods with a chip card and the transactions take as long as 11 days to reflect in my account. neither my current balance, my available balance or my transaction list changes for days and when they do go through my account is left in arrears. I get charges going through randomly. I complained and was given a card to swipe with (american express) which is not accepted at many places so I end up having to withdraw and incur further chargers. No one at the branches i visited has been able to tell me what exactly is wrong or give me a solid solution. I feel I have been treated unfairly and have been continuously disadvantaged for the past 4 months, I cannot even apply for credit anywhere because of this problem. I cannot keep calling them and skipping work for nothing. Please help