OUTSTANDING AUTHORISATION COMPLAINT

for 3 months i had been having a problem with cheque card, everytime i shop anywhere using my cheque card for payment, the transaction goes through on my updates as paid through but in reality the transaction is outstanding, i swipe i goes through but the balance reflected is not the true reflection of my account balance each transaction is paid 3-4 days later then that causes that when payments are made the funds in the actual funds in the account cant pay all outstanding payments, in December i had to pay R3000 on bank charges, Jan 2014 R5000 plus and February 2015 i had to pay R2525 due to transactions not paid on time by the bank. how should i survive when i had to pay the bank so much every month like i am an irresponsible spender. now my budget spending is skew balances are no actual balances, i am dissappointed devastated and STANDARD BANK IS A NO MORE BANK FOR ME.I AM WITHDRAWING AS A CLIENT AFTER BEING WITH THE BANK FOR OVER 15 YEARS, THEY SAY THE STRIVE FOR 10/10 SERVICE BUT THAT IS NOT TRUE AT ALL THEY LIE TO US.I REGRET STANDARD BANK