Overcharging for employees Incompetence

Whenever I use my Cheque card, the money does not get taken off and I also do not get a sms for each transaction. I was paid on the 25 of June and went to my doctor on the 26 of June where I paid with my card, but did not receive an sms and expecting that the money would be taken off. I used my card for two more transactions after that and Nedbank only took the money off my account on the 29th and 30th, which is much later than expected and I was charged R90 per late transaction for all three those accounts which adds up to R270, just because they did not take the money off when they were supposed to and there was no funds left in the account. I want my R270 back because it was not my fault Nedbank does not do their job properly. The people that work at the call centre as well, is also very rude and kept telling me it is my fault and that if a transaction falls on a Friday or during the weekend, the money will not be taken off because the consumer did not send through the transaction approval. I would like to know how that is my fault, should I call the bank every time I'm about to use my card or should I come do my own transactions within the bank myself. I demand a rebate.