Standard Bank is taking people's money

It's the third month now that I'm experiencing problems with merchant transactions coming through 3 to 4 days later especially during month end.Then when my debit orders go through I have insufficient funds yet when I swiped my card at the stores the funds went off my account.So this month I made sure to keep extra cash in my cheque account and when I tried to transfer from my savings it was unsuccessful, eventually I could see the money going out of the savings but not appearing in my cheque account so so some of my debits did not go through and I ended up paying unpaid fees and overdraft fees.Up till now it is impossible to get hold of them to attempt to find my missing money.