Unhappy

On the 22 and 23 of September 2015 I had over R10 000 in my account, I swiped my card at Vibes, Debonairs and Mr Price in Port Elizabeth. On the 24th I transferred all remaining monies to my Capitec savings account. On 28th I saw that Vibes, Debonair s and Mr Price monies never went off and when my husband paid my Doctors monies in my account Nedbank took it. On 29th I see HonFEE of R90 * 3 for Vibes, Debonair s and Mr Price. I called the call center to find out how it is my problem the time I swiped I had money in my account and the call centre agent kept on telling me its not Nedbanks problem its my problem, her name is Chantel and the call ref is ***. If this account or the shops has a delayed transaction why am I being penalized for it and this is the second month its happening. I dont accept this after 15 years of being a Nedbank client I feel like moving banks.