Worst service and no heart during nation wide struggle

I have an account with standard bank as well as a credit card with insurance

1st with the lock down my small business has not received any income sonce 26 March 2020, due to lock down threats business was very slow during March. Well due to no income i had no money in my account, debit orders still kept going through and now my account is in arrears with R2500 due to bank charges being put on by Standard bank for money that WAS NOT IN MY ACCOUNT i will not pay this! How can you charge people money during this crises in our land for not having money in their account, i will take this to the ombudsman if it is not rectified 2nd my credit card has insurance, i have emailed numerous times but keep getting smses that i must pay my credit card, use my insurance that i pay EVERY MONTH over R400 for insurance!

If this is not sorted out i will go to the ombudsman and close my account and tell everyone what kibd of service i received from standard bank during this nation wide catastrophe