Nedbank allows money to disappear form my account ant then refuse to assist!!

Capitec allowed Avis/Nedbank to debit a charge from my savings account, resulting in my savings account to be in a negative. Both Nedbank and Avis denies receiving the money. Capitec is refusing to assist in locating the money as it is apparently Nedbank and Avis`s responsibility. Avis and Nedbank are also refusing using the exact same excuse!!How am I to allocate the money if nobody is prepared to assist me?? I am in the process of reporting to the Ombudsman as one of the three sits with my money and refusing to assist.

I will not let this be!!