***** results stating that I owe Standard Bank

I lodged a complaint with the ***** department at Standard Bank. ***** case number: ***1, Account number: 370 863 194, on 20 January 2016. Eventually after almost 3 weeks of speaking to Ashwin, Thulani, Shaun, Abbida and Thandeka, I then spoke to Roy Pillay on the 5th February 2016 who told me that I must meet him halfway with the ********** amount as I was negligent with my card. Clearly Roy is accusing me of ***** and that is why I MEET HIM HALFWAY. He showed no empathy towards me as he was rude and insensitive. My current bank statement is sitting at a -R95 988.71. My debit orders where not paid, but Standard Bank has charged me R40 871.79 in honouring ********** transactions and yet failed to honor my debit orders including an insurance policy I have with Standard Bank. I would like all these transactions to be reversed and to compensated with R40 871.79 for all my time and money that I spent calling the ***** department and going to the branch. I have made more calls to them than they did to me and yet I was negligent. I have lodged a complaint with the Ombudsman for Banking Services as well. Kindly assist me with this dilemma that I am facing.