OVERDRAWN ACCOUNT BUT NOT OVERDRAFT FACILITY!

I need to express my utter dismay at your inability to deliver the very basics of service Nedbank. Your advertising is blatantly false as you market yourselves to be a bank of excellence & ethics yet when it comes to customers your incompetence is beyond what any reasonable human being can tolerate. <br> <br> I do not have an overdraft facility on my bank account. Yet, you sms me to tell me my account is overdrawn?! So I contact your collections department on the number provided, only to be told that certain transactions went through \late\" & thus did not reflect until later - allowing for the overdrawing. <br> <br> It is my practice to always check my bank account to see how much is available before I make a purchase. On checking my account I saw that there were more than enough funds available. <br> <br> I fail to see how any of that is my fault? How on earth can you allow money to go out of my account that is not in fact in my account. Where the flying fudge does that money come from & please show me the credit agreement I signed allowing you to advance that money. <br> <br> This IS YOUR FAULT NEDBANK! Now either you FIX this or I will take you to the banking ombudsman to resolve this issue."