Nedbank incompetence questioned

I’m a new client at Nedbank starting from the month of May 2024. Ever since then I have experienced multiple problems with the bank. Firstly: their bank notifications are late Secondly: their instant money transfers take as long as 30 minutes. Thirdly: they hold my salary as a pending credit every month leading to my debit orders bouncing. Fourthly( and this takes the cake): for the month of July my account was debited twice towards my bond, when I call requesting a reversal, I am made to jump through hoops. They expect me to write a formal letter requesting my money back. Why should it be a struggle on my side to fix their mistake!?