Nedbank "losing" my payments & charging me fees for it!

I paid my credit card last week as follows: R500 on 16th, R500 on 17th, R290 on 19th and R1000 on 19th. All the transaction had the same reference. Only the R500 paid on the 16th was processed to my account. I tried to use my card over the weekend and it declined! Yesterday I checked my account and saw that only one of my payments reflects. I phoned Nedbank card division and was told that it could take 48 hours for my payment to reflect after they trace it!!!! How do they lose my payments??? Now i check my account and my payments are still not reflecting and I have been charged fees for a declined transaction!!!! This fee needs to be reversed and my funds need to reflect NOW. This is disgusting service!! A complete no care attitude. I am furious.