Money going missing

After getting the gold cheque account at nebank money started going missing in my account. the other day after i paid my rent i was charged close to R200 for something i dont know because after looking at my balance it didnt match up to the account that was supposed to be there. Yesterday i wanted to withdraw money to pay my liftclub driver and i had 0 balance. How is it that after going to the branch in centurion at centurion mall to ask about this missing money that it is apparently not bank charges, if not that and no one else but the bank is taking my money who is it. this isnt the first time this happens but the first month i ignored it and thought it was bank charges, the sms im sent of my balance is not the same as its supposed to be, i can't be charged over R50 from withdrawing from my own account at a nedbank atm. I am now left with nothing and i want an explaination as to why and why i am being charged for pending payments that refelct as been taken out of my account. I am super unhappy and want to change banks, there is nothing savy about your accounts if everytime im left broke for reasons unnone to me. I want to chance my card, if you charge me charge me for that